Call reports 2011
STATE BANK OF GRAYMONT — 2011
What STATE BANK OF GRAYMONT reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 174,180,000 | 174,148,000 | 174,084,000 | 179,900,000 |
| Total loans | 78,081,000 | 78,170,000 | 83,207,000 | 86,280,000 |
| Allowance for loan losses | 559,000 | 571,000 | 587,000 | 612,000 |
| Securities available for sale | 62,321,000 | 68,615,000 | 71,772,000 | 66,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,642,000 | 157,471,000 | 156,513,000 | 161,965,000 |
| Interest-bearing deposits | 145,304,000 | 144,463,000 | 143,451,000 | 144,177,000 |
| Noninterest-bearing deposits | 13,338,000 | 13,008,000 | 13,062,000 | 17,788,000 |
| Equity capital | 14,251,000 | 15,172,000 | 15,967,000 | 16,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,550,000 | 3,206,000 | 4,883,000 | 6,552,000 |
| Interest expense | 571,000 | 1,102,000 | 1,592,000 | 2,054,000 |
| Net interest income | 979,000 | 2,104,000 | 3,291,000 | 4,498,000 |
| Noninterest income | 168,000 | 309,000 | 477,000 | 709,000 |
| Noninterest expense | 739,000 | 1,544,000 | 2,295,000 | 3,308,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 415,000 | 980,000 | 1,593,000 | 2,019,000 |
| Income tax | 65,000 | 160,000 | 313,000 | 454,000 |
| Net income | 350,000 | 820,000 | 1,280,000 | 1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,456,000 | 12,926,000 | 13,385,000 | 13,670,000 |
| Total capital | 13,570,000 | 14,115,000 | 14,436,000 | 14,676,000 |
| Risk-weighted assets | 104,333,000 | 104,421,000 | 92,984,000 | 111,956,000 |