Call reports 2010
MENARD BANK — 2010
What MENARD 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 | 32,583,000 | 32,975,000 | 34,112,000 | 35,055,000 |
| Total loans | 17,183,000 | 16,284,000 | 15,906,000 | 14,828,000 |
| Allowance for loan losses | 188,000 | 185,000 | 185,000 | 218,000 |
| Securities available for sale | 519,000 | 1,078,000 | 2,055,000 | 6,211,000 |
| Securities held to maturity | 8,797,000 | 8,818,000 | 7,871,000 | 7,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,462,000 | 28,796,000 | 29,856,000 | 31,004,000 |
| Interest-bearing deposits | 22,132,000 | 23,338,000 | 23,959,000 | 24,853,000 |
| Noninterest-bearing deposits | 6,330,000 | 5,458,000 | 5,897,000 | 6,151,000 |
| Equity capital | 4,078,000 | 4,120,000 | 4,189,000 | 4,016,000 |
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 | 353,000 | 695,000 | 1,034,000 | 1,358,000 |
| Interest expense | 68,000 | 138,000 | 203,000 | 265,000 |
| Net interest income | 285,000 | 557,000 | 831,000 | 1,093,000 |
| Noninterest income | 32,000 | 73,000 | 119,000 | 175,000 |
| Noninterest expense | 240,000 | 507,000 | 755,000 | 1,141,000 |
| Provision for loan losses | 7,000 | 7,000 | 7,000 | 40,000 |
| Pretax income | 70,000 | 116,000 | 188,000 | 87,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 116,000 | 188,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,059,000 | 4,105,000 | 4,178,000 | 4,046,000 |
| Total capital | 4,247,000 | 4,290,000 | 4,363,000 | 4,264,000 |
| Risk-weighted assets | 20,283,000 | 20,419,000 | 20,545,000 | 19,976,000 |