Call reports 2011
STATE BANK OF DELANO — 2011
What STATE BANK OF DELANO 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 | 85,095,000 | 81,703,000 | 80,450,000 | 82,333,000 |
| Total loans | 49,097,000 | 47,187,000 | 45,795,000 | 45,035,000 |
| Allowance for loan losses | 1,522,000 | 1,976,000 | 1,748,000 | 1,807,000 |
| Securities available for sale | 12,333,000 | 11,870,000 | 11,150,000 | 10,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,403,000 | 74,552,000 | 73,544,000 | 75,810,000 |
| Interest-bearing deposits | 64,475,000 | 62,281,000 | 60,723,000 | 60,668,000 |
| Noninterest-bearing deposits | 11,928,000 | 12,271,000 | 12,821,000 | 15,142,000 |
| Equity capital | 5,565,000 | 5,010,000 | 4,775,000 | 4,437,000 |
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 | 835,000 | 1,607,000 | 2,357,000 | 3,087,000 |
| Interest expense | 167,000 | 318,000 | 446,000 | 553,000 |
| Net interest income | 668,000 | 1,289,000 | 1,911,000 | 2,534,000 |
| Noninterest income | 246,000 | 229,000 | 323,000 | 385,000 |
| Noninterest expense | 730,000 | 1,525,000 | 2,280,000 | 3,122,000 |
| Provision for loan losses | 386,000 | 931,000 | 1,136,000 | 1,271,000 |
| Pretax income | -202,000 | -938,000 | -1,182,000 | -1,474,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -203,000 | -939,000 | -1,183,000 | -1,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,466,000 | 4,730,000 | 4,486,000 | 4,194,000 |
| Total capital | 6,261,000 | 5,489,000 | 5,223,000 | 4,920,000 |
| Risk-weighted assets | 62,909,000 | 59,531,000 | 57,981,000 | 56,959,000 |