Call reports 2010
MILLEDGEVILLE STATE BANK — 2010
What MILLEDGEVILLE STATE 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 | 72,194,000 | 72,118,000 | 76,015,000 | 77,010,000 |
| Total loans | 44,613,000 | 44,410,000 | 45,820,000 | 47,753,000 |
| Allowance for loan losses | 462,000 | 547,000 | 497,000 | 498,000 |
| Securities available for sale | 20,886,000 | 21,523,000 | 22,842,000 | 23,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,751,000 | 59,108,000 | 62,156,000 | 63,549,000 |
| Interest-bearing deposits | 54,082,000 | 53,620,000 | 56,366,000 | 56,901,000 |
| Noninterest-bearing deposits | 5,669,000 | 5,488,000 | 5,790,000 | 6,648,000 |
| Equity capital | 6,990,000 | 7,563,000 | 8,381,000 | 8,093,000 |
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 | 930,000 | 1,864,000 | 2,816,000 | 3,818,000 |
| Interest expense | 284,000 | 545,000 | 795,000 | 1,032,000 |
| Net interest income | 646,000 | 1,319,000 | 2,021,000 | 2,786,000 |
| Noninterest income | 12,000 | 68,000 | 125,000 | 185,000 |
| Noninterest expense | 348,000 | 720,000 | 1,091,000 | 1,489,000 |
| Provision for loan losses | 475,000 | 561,000 | 597,000 | 691,000 |
| Pretax income | -148,000 | 130,000 | 482,000 | 816,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | -148,000 | 130,000 | 482,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,596,000 | 6,874,000 | 7,225,000 | 7,551,000 |
| Total capital | 7,058,000 | 7,421,000 | 7,722,000 | 8,049,000 |
| Risk-weighted assets | 54,053,000 | 53,955,000 | 55,470,000 | 57,002,000 |