Call reports 2011
STATE BANK OF CERRO GORDO — 2011
What STATE BANK OF CERRO GORDO 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 | 25,790,000 | 24,245,000 | 25,573,000 | 24,135,000 |
| Total loans | 8,917,000 | 9,268,000 | 9,245,000 | 9,630,000 |
| Allowance for loan losses | 100,000 | 100,000 | 99,000 | 90,000 |
| Securities available for sale | 353,000 | 2,000 | 1,000 | 513,000 |
| Securities held to maturity | 5,237,000 | 5,986,000 | 5,135,000 | 5,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,902,000 | 20,359,000 | 21,679,000 | 20,310,000 |
| Interest-bearing deposits | 18,328,000 | 17,058,000 | 18,529,000 | 17,211,000 |
| Noninterest-bearing deposits | 3,574,000 | 3,301,000 | 3,150,000 | 3,099,000 |
| Equity capital | 3,797,000 | 3,793,000 | 3,806,000 | 3,751,000 |
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 | 204,000 | 409,000 | 617,000 | 814,000 |
| Interest expense | 23,000 | 44,000 | 63,000 | 77,000 |
| Net interest income | 181,000 | 365,000 | 554,000 | 737,000 |
| Noninterest income | 43,000 | 80,000 | 114,000 | 148,000 |
| Noninterest expense | 208,000 | 412,000 | 621,000 | 822,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 16,000 | 33,000 | 46,000 | 62,000 |
| Income tax | 0 | 0 | 0 | -16,000 |
| Net income | 16,000 | 33,000 | 46,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,294,000 | 3,289,000 | 3,303,000 | 3,249,000 |
| Total capital | 3,394,000 | 3,389,000 | 3,402,000 | 3,339,000 |
| Risk-weighted assets | 10,898,000 | 10,822,000 | 11,101,000 | 10,839,000 |