Call reports 2010
STOCK GROWERS BANK — 2010
What STOCK GROWERS 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 | 84,325,000 | 83,292,000 | 82,843,000 | 86,717,000 |
| Total loans | 46,027,000 | 49,364,000 | 49,845,000 | 51,147,000 |
| Allowance for loan losses | 183,000 | 194,000 | 194,000 | 193,000 |
| Securities available for sale | 28,157,000 | 27,590,000 | 29,612,000 | 30,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,371,000 | 71,785,000 | 70,052,000 | 74,798,000 |
| Interest-bearing deposits | 59,966,000 | 60,112,000 | 57,561,000 | 58,658,000 |
| Noninterest-bearing deposits | 13,405,000 | 11,673,000 | 12,491,000 | 16,140,000 |
| Equity capital | 10,665,000 | 11,195,000 | 12,125,000 | 11,641,000 |
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 | 917,000 | 1,889,000 | 2,897,000 | 3,894,000 |
| Interest expense | 173,000 | 340,000 | 501,000 | 650,000 |
| Net interest income | 744,000 | 1,549,000 | 2,396,000 | 3,244,000 |
| Noninterest income | 74,000 | 145,000 | 218,000 | 298,000 |
| Noninterest expense | 286,000 | 602,000 | 917,000 | 1,659,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 532,000 | 1,082,000 | 1,687,000 | 1,873,000 |
| Income tax | -8,000 | 37,000 | 76,000 | 118,000 |
| Net income | 540,000 | 1,045,000 | 1,611,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,915,000 | 10,419,000 | 10,986,000 | 11,130,000 |
| Total capital | 10,098,000 | 10,613,000 | 11,180,000 | 11,323,000 |
| Risk-weighted assets | 59,999,000 | 58,106,000 | 59,907,000 | 62,110,000 |