Call reports 2010
STANDING STONE BANK — 2010
What STANDING STONE 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 | 73,783,000 | 76,253,000 | 74,781,000 | 76,005,000 |
| Total loans | 37,058,000 | 38,420,000 | 40,482,000 | 41,797,000 |
| Allowance for loan losses | 388,000 | 405,000 | 431,000 | 439,000 |
| Securities available for sale | 25,864,000 | 28,743,000 | 26,051,000 | 21,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,340,000 | 56,189,000 | 57,044,000 | 55,096,000 |
| Interest-bearing deposits | 45,667,000 | 47,647,000 | 47,894,000 | 47,080,000 |
| Noninterest-bearing deposits | 8,673,000 | 8,542,000 | 9,150,000 | 8,016,000 |
| Equity capital | 6,205,000 | 6,348,000 | 6,405,000 | 6,341,000 |
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 | 748,000 | 1,523,000 | 2,294,000 | 3,062,000 |
| Interest expense | 183,000 | 372,000 | 554,000 | 695,000 |
| Net interest income | 565,000 | 1,151,000 | 1,740,000 | 2,367,000 |
| Noninterest income | 142,000 | 255,000 | 436,000 | 578,000 |
| Noninterest expense | 700,000 | 1,337,000 | 2,037,000 | 2,713,000 |
| Provision for loan losses | 13,000 | 48,000 | 83,000 | 113,000 |
| Pretax income | 23,000 | 87,000 | 128,000 | 204,000 |
| Income tax | -5,000 | 5,000 | 8,000 | 23,000 |
| Net income | 28,000 | 82,000 | 120,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,865,000 | 5,919,000 | 5,958,000 | 6,018,000 |
| Total capital | 6,253,000 | 6,324,000 | 6,389,000 | 6,457,000 |
| Risk-weighted assets | 43,015,000 | 44,988,000 | 45,782,000 | 47,039,000 |
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