Call reports 2010
DURAND STATE BANK — 2010
What DURAND 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 | 90,073,000 | 90,747,000 | 90,581,000 | 86,747,000 |
| Total loans | 52,227,000 | 50,285,000 | 49,734,000 | 47,684,000 |
| Allowance for loan losses | 584,000 | 793,000 | 788,000 | 833,000 |
| Securities available for sale | 24,643,000 | 28,936,000 | 30,981,000 | 32,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,977,000 | 82,646,000 | 82,157,000 | 78,699,000 |
| Interest-bearing deposits | 75,266,000 | 76,971,000 | 72,797,000 | 71,495,000 |
| Noninterest-bearing deposits | 6,712,000 | 5,675,000 | 9,359,000 | 7,203,000 |
| Equity capital | 7,643,000 | 7,683,000 | 7,989,000 | 7,616,000 |
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 | 1,036,000 | 2,076,000 | 3,096,000 | 4,110,000 |
| Interest expense | 320,000 | 629,000 | 915,000 | 1,168,000 |
| Net interest income | 716,000 | 1,447,000 | 2,181,000 | 2,942,000 |
| Noninterest income | 111,000 | 248,000 | 375,000 | 512,000 |
| Noninterest expense | 569,000 | 1,128,000 | 1,686,000 | 2,360,000 |
| Provision for loan losses | 90,000 | 730,000 | 730,000 | 820,000 |
| Pretax income | 168,000 | -163,000 | 191,000 | 297,000 |
| Income tax | 51,000 | -93,000 | -25,000 | -26,000 |
| Net income | 117,000 | -70,000 | 216,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,734,000 | 7,547,000 | 7,832,000 | 7,857,000 |
| Total capital | 8,318,000 | 8,308,000 | 8,585,000 | 8,589,000 |
| Risk-weighted assets | 61,913,000 | 60,832,000 | 62,024,000 | 60,291,000 |
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