Call reports 2010
STATE CENTRAL BANK — 2010
What STATE CENTRAL 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 | 235,910,000 | 247,016,000 | 240,175,000 | 241,574,000 |
| Total loans | 199,051,000 | 195,259,000 | 190,495,000 | 178,049,000 |
| Allowance for loan losses | 8,013,000 | 9,918,000 | 9,174,000 | 8,501,000 |
| Securities available for sale | 14,202,000 | 12,216,000 | 19,501,000 | 22,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,692,000 | 233,829,000 | 227,597,000 | 230,367,000 |
| Interest-bearing deposits | 194,137,000 | 208,075,000 | 200,607,000 | 202,830,000 |
| Noninterest-bearing deposits | 27,555,000 | 25,754,000 | 26,990,000 | 27,537,000 |
| Equity capital | 11,512,000 | 9,871,000 | 9,999,000 | 9,920,000 |
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 | 2,931,000 | 6,097,000 | 8,969,000 | 11,586,000 |
| Interest expense | 1,067,000 | 2,008,000 | 2,895,000 | 3,730,000 |
| Net interest income | 1,864,000 | 4,089,000 | 6,074,000 | 7,856,000 |
| Noninterest income | 102,000 | 1,294,000 | 1,368,000 | 1,818,000 |
| Noninterest expense | 2,017,000 | 4,414,000 | 6,532,000 | 8,619,000 |
| Provision for loan losses | 10,612,000 | 13,218,000 | 13,218,000 | 13,218,000 |
| Pretax income | -10,648,000 | -12,141,000 | -12,200,000 | -12,055,000 |
| Income tax | -11,000 | -11,000 | -11,000 | -11,000 |
| Net income | -10,637,000 | -12,130,000 | -12,189,000 | -12,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,890,000 | 8,397,000 | 8,338,000 | 8,426,000 |
| Total capital | 12,434,000 | 10,868,000 | 10,695,000 | 10,641,000 |
| Risk-weighted assets | 198,081,000 | 190,243,000 | 181,749,000 | 170,905,000 |