Call reports 2010
STATE BANK OF TOWNSEND, THE — 2010
What STATE BANK OF TOWNSEND, THE 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 | 43,326,000 | 43,424,000 | 41,670,000 | 45,131,000 |
| Total loans | 29,123,000 | 28,408,000 | 29,200,000 | 29,008,000 |
| Allowance for loan losses | 292,000 | 318,000 | 318,000 | 318,000 |
| Securities available for sale | 5,488,000 | 5,231,000 | 4,770,000 | 5,171,000 |
| Securities held to maturity | 14,000 | 13,000 | 11,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,553,000 | 38,620,000 | 36,765,000 | 40,390,000 |
| Interest-bearing deposits | 31,262,000 | 32,494,000 | 30,202,000 | 32,938,000 |
| Noninterest-bearing deposits | 7,291,000 | 6,126,000 | 6,563,000 | 7,452,000 |
| Equity capital | 4,364,000 | 4,441,000 | 4,523,000 | 4,377,000 |
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 | 598,000 | 1,282,000 | 1,876,000 | 2,557,000 |
| Interest expense | 106,000 | 213,000 | 321,000 | 431,000 |
| Net interest income | 492,000 | 1,069,000 | 1,555,000 | 2,126,000 |
| Noninterest income | 69,000 | 142,000 | 236,000 | 280,000 |
| Noninterest expense | 421,000 | 870,000 | 1,295,000 | 1,818,000 |
| Provision for loan losses | 0 | 70,000 | 70,000 | 70,000 |
| Pretax income | 140,000 | 271,000 | 426,000 | 518,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 140,000 | 271,000 | 426,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,237,000 | 4,330,000 | 4,413,000 | 4,304,000 |
| Total capital | 4,529,000 | 4,648,000 | 4,731,000 | 4,621,000 |
| Risk-weighted assets | 25,899,000 | 25,630,000 | 25,727,000 | 26,481,000 |