Call reports 2010
ST. ANSGAR STATE BANK — 2010
What ST. ANSGAR STATE BANK 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 | 93,924,000 | 96,197,000 | 95,874,000 | 100,669,000 |
| Total loans | 71,403,000 | 74,202,000 | 72,787,000 | 77,502,000 |
| Allowance for loan losses | 658,000 | 718,000 | 582,000 | 675,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,826,000 | 11,820,000 | 8,814,000 | 8,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,296,000 | 80,398,000 | 79,840,000 | 84,190,000 |
| Interest-bearing deposits | 68,876,000 | 69,924,000 | 68,666,000 | 69,385,000 |
| Noninterest-bearing deposits | 10,420,000 | 10,474,000 | 11,174,000 | 14,805,000 |
| Equity capital | 11,977,000 | 12,293,000 | 12,393,000 | 12,979,000 |
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 | 1,161,000 | 2,334,000 | 3,501,000 | 4,676,000 |
| Interest expense | 271,000 | 530,000 | 775,000 | 1,020,000 |
| Net interest income | 890,000 | 1,804,000 | 2,726,000 | 3,656,000 |
| Noninterest income | 2,000 | 36,000 | 81,000 | 865,000 |
| Noninterest expense | 511,000 | 1,092,000 | 1,638,000 | 2,110,000 |
| Provision for loan losses | 40,000 | 80,000 | 140,000 | 300,000 |
| Pretax income | 341,000 | 668,000 | 1,029,000 | 2,111,000 |
| Income tax | 10,000 | 21,000 | 32,000 | 78,000 |
| Net income | 331,000 | 647,000 | 997,000 | 2,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,977,000 | 12,293,000 | 12,393,000 | 12,979,000 |
| Total capital | 12,635,000 | 13,011,000 | 12,975,000 | 13,654,000 |
| Risk-weighted assets | 73,220,000 | 76,219,000 | 74,638,000 | 79,260,000 |