Call reports 2011
BANCROFT STATE BANK — 2011
What BANCROFT STATE 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 | 66,035,000 | 65,381,000 | 66,622,000 | 68,772,000 |
| Total loans | 55,633,000 | 56,006,000 | 55,877,000 | 51,923,000 |
| Allowance for loan losses | 964,000 | 1,012,000 | 1,075,000 | 740,000 |
| Securities available for sale | 3,788,000 | 3,811,000 | 3,296,000 | 3,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,497,000 | 58,738,000 | 60,000,000 | 62,513,000 |
| Interest-bearing deposits | 52,421,000 | 51,130,000 | 51,725,000 | 51,859,000 |
| Noninterest-bearing deposits | 7,076,000 | 7,608,000 | 8,275,000 | 10,654,000 |
| Equity capital | 5,918,000 | 6,020,000 | 6,005,000 | 6,152,000 |
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 | 841,000 | 1,680,000 | 2,522,000 | 3,324,000 |
| Interest expense | 185,000 | 357,000 | 518,000 | 666,000 |
| Net interest income | 656,000 | 1,323,000 | 2,004,000 | 2,658,000 |
| Noninterest income | -15,000 | -48,000 | -66,000 | 90,000 |
| Noninterest expense | 531,000 | 1,033,000 | 1,607,000 | 2,177,000 |
| Provision for loan losses | 99,000 | 159,000 | 253,000 | 328,000 |
| Pretax income | 11,000 | 83,000 | 78,000 | 243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | 83,000 | 78,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,856,000 | 5,928,000 | 5,923,000 | 6,078,000 |
| Total capital | 6,497,000 | 6,568,000 | 6,560,000 | 6,699,000 |
| Risk-weighted assets | 50,927,000 | 50,841,000 | 50,371,000 | 49,539,000 |