Call reports 2010
FIRST STATE BANK OF RANDOLPH COUNTY — 2010
What FIRST STATE BANK OF RANDOLPH COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 54,595,000 | 55,064,000 | 56,521,000 | 55,750,000 |
| Total loans | 37,738,000 | 40,607,000 | 40,308,000 | 34,868,000 |
| Allowance for loan losses | 291,000 | 797,000 | 782,000 | 683,000 |
| Securities available for sale | 8,448,000 | 8,998,000 | 9,509,000 | 8,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,919,000 | 48,408,000 | 49,601,000 | 49,492,000 |
| Interest-bearing deposits | 34,929,000 | 35,974,000 | 38,698,000 | 38,739,000 |
| Noninterest-bearing deposits | 12,990,000 | 12,434,000 | 10,903,000 | 10,753,000 |
| Equity capital | 6,126,000 | 6,087,000 | 6,318,000 | 5,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 732,000 | 1,394,000 | 2,112,000 | 2,843,000 |
| Interest expense | 180,000 | 355,000 | 537,000 | 712,000 |
| Net interest income | 552,000 | 1,039,000 | 1,575,000 | 2,131,000 |
| Noninterest income | 67,000 | 389,000 | 626,000 | 937,000 |
| Noninterest expense | 463,000 | 919,000 | 1,422,000 | 1,911,000 |
| Provision for loan losses | 64,000 | 579,000 | 579,000 | 1,039,000 |
| Pretax income | 92,000 | -70,000 | 200,000 | 118,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 92,000 | -70,000 | 200,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,895,000 | 5,734,000 | 6,004,000 | 5,922,000 |
| Total capital | 6,186,000 | 6,300,000 | 6,565,000 | 6,453,000 |
| Risk-weighted assets | 42,824,000 | 45,057,000 | 44,685,000 | 42,353,000 |
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