Call reports 2011
ERGO BANK — 2011
What ERGO 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 | 75,227,000 | 74,281,000 | 73,631,000 | 77,053,000 |
| Total loans | 35,457,000 | 35,640,000 | 34,731,000 | 35,102,000 |
| Allowance for loan losses | 1,484,000 | 1,502,000 | 1,485,000 | 1,449,000 |
| Securities available for sale | 31,405,000 | 31,589,000 | 29,456,000 | 31,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,214,000 | 57,546,000 | 59,557,000 | 63,203,000 |
| Interest-bearing deposits | 55,009,000 | 53,346,000 | 54,647,000 | 58,184,000 |
| Noninterest-bearing deposits | 4,205,000 | 4,200,000 | 4,911,000 | 5,020,000 |
| Equity capital | 10,171,000 | 10,378,000 | 10,552,000 | 10,711,000 |
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 | 886,000 | 1,720,000 | 2,517,000 | 3,307,000 |
| Interest expense | 220,000 | 419,000 | 589,000 | 737,000 |
| Net interest income | 666,000 | 1,301,000 | 1,928,000 | 2,570,000 |
| Noninterest income | 116,000 | 179,000 | 335,000 | 303,000 |
| Noninterest expense | 562,000 | 1,171,000 | 1,714,000 | 2,253,000 |
| Provision for loan losses | 45,000 | 94,000 | 96,000 | 122,000 |
| Pretax income | 175,000 | 215,000 | 453,000 | 579,000 |
| Income tax | 72,000 | 1,000 | 79,000 | 35,000 |
| Net income | 103,000 | 214,000 | 374,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,624,000 | 9,643,000 | 9,692,000 | 9,771,000 |
| Total capital | 10,176,000 | 10,245,000 | 10,240,000 | 10,323,000 |
| Risk-weighted assets | 42,447,000 | 46,503,000 | 42,450,000 | 42,467,000 |