Call reports 2011
REDSTONE BANK — 2011
What REDSTONE BANK 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 | 43,039,000 | 45,744,000 | 50,287,000 | 53,702,000 |
| Total loans | 24,078,000 | 27,766,000 | 27,334,000 | 32,301,000 |
| Allowance for loan losses | 371,000 | 408,000 | 457,000 | 524,000 |
| Securities available for sale | 2,524,000 | 2,521,000 | 2,514,000 | 2,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,759,000 | 37,637,000 | 42,257,000 | 45,696,000 |
| Interest-bearing deposits | 28,144,000 | 29,196,000 | 32,187,000 | 34,682,000 |
| Noninterest-bearing deposits | 6,615,000 | 8,441,000 | 10,070,000 | 11,014,000 |
| Equity capital | 8,144,000 | 7,975,000 | 7,870,000 | 7,781,000 |
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 | 443,000 | 913,000 | 1,450,000 | 2,035,000 |
| Interest expense | 71,000 | 159,000 | 253,000 | 355,000 |
| Net interest income | 372,000 | 754,000 | 1,197,000 | 1,680,000 |
| Noninterest income | 11,000 | 24,000 | 37,000 | 56,000 |
| Noninterest expense | 525,000 | 1,065,000 | 1,580,000 | 2,117,000 |
| Provision for loan losses | 16,000 | 53,000 | 102,000 | 169,000 |
| Pretax income | -158,000 | -340,000 | -448,000 | -550,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -158,000 | -340,000 | -448,000 | -550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,139,000 | 7,966,000 | 7,864,000 | 7,779,000 |
| Total capital | 8,510,000 | 8,374,000 | 8,321,000 | 8,303,000 |
| Risk-weighted assets | 31,304,000 | 34,299,000 | 35,761,000 | 41,114,000 |