Call reports 2010
CHARLEVOIX STATE BANK — 2010
What CHARLEVOIX 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 | 142,145,000 | 143,972,000 | 158,323,000 | 145,983,000 |
| Total loans | 101,895,000 | 104,510,000 | 102,375,000 | 101,793,000 |
| Allowance for loan losses | 1,686,000 | 1,794,000 | 1,806,000 | 1,877,000 |
| Securities available for sale | 11,691,000 | 11,090,000 | 10,676,000 | 12,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,157,000 | 129,921,000 | 143,915,000 | 131,637,000 |
| Interest-bearing deposits | 105,220,000 | 102,372,000 | 115,617,000 | 104,040,000 |
| Noninterest-bearing deposits | 22,937,000 | 27,549,000 | 28,298,000 | 27,597,000 |
| Equity capital | 12,603,000 | 12,680,000 | 12,892,000 | 13,029,000 |
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 | 1,685,000 | 3,351,000 | 4,963,000 | 6,671,000 |
| Interest expense | 343,000 | 678,000 | 1,004,000 | 1,276,000 |
| Net interest income | 1,342,000 | 2,673,000 | 3,959,000 | 5,395,000 |
| Noninterest income | 167,000 | 354,000 | 817,000 | 1,216,000 |
| Noninterest expense | 1,116,000 | 2,255,000 | 3,612,000 | 4,762,000 |
| Provision for loan losses | 234,000 | 502,000 | 552,000 | 808,000 |
| Pretax income | 161,000 | 273,000 | 615,000 | 1,044,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 273,000 | 615,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,418,000 | 12,481,000 | 12,663,000 | 12,921,000 |
| Total capital | 13,693,000 | 13,782,000 | 13,945,000 | 14,200,000 |
| Risk-weighted assets | 101,108,000 | 103,602,000 | 102,065,000 | 101,746,000 |
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