Call reports 2011
DURAND STATE BANK — 2011
What DURAND 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 | 86,665,000 | 85,962,000 | 85,714,000 | 85,175,000 |
| Total loans | 47,192,000 | 47,210,000 | 45,393,000 | 43,706,000 |
| Allowance for loan losses | 887,000 | 942,000 | 993,000 | 958,000 |
| Securities available for sale | 30,274,000 | 31,124,000 | 32,552,000 | 33,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,400,000 | 77,150,000 | 76,774,000 | 76,148,000 |
| Interest-bearing deposits | 70,916,000 | 69,645,000 | 68,625,000 | 68,992,000 |
| Noninterest-bearing deposits | 7,483,000 | 7,505,000 | 8,148,000 | 7,156,000 |
| Equity capital | 7,858,000 | 8,363,000 | 8,455,000 | 8,619,000 |
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 | 935,000 | 1,893,000 | 2,702,000 | 3,590,000 |
| Interest expense | 221,000 | 428,000 | 615,000 | 766,000 |
| Net interest income | 714,000 | 1,465,000 | 2,087,000 | 2,824,000 |
| Noninterest income | 101,000 | 205,000 | 310,000 | 382,000 |
| Noninterest expense | 603,000 | 1,248,000 | 1,893,000 | 2,483,000 |
| Provision for loan losses | 75,000 | 125,000 | 300,000 | 300,000 |
| Pretax income | 147,000 | 307,000 | 264,000 | 627,000 |
| Income tax | 18,000 | 36,000 | 53,000 | 66,000 |
| Net income | 129,000 | 271,000 | 211,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,993,000 | 8,127,000 | 8,068,000 | 8,315,000 |
| Total capital | 8,716,000 | 8,852,000 | 8,810,000 | 9,005,000 |
| Risk-weighted assets | 59,398,000 | 59,554,000 | 58,312,000 | 56,656,000 |