Call reports 2011
SMALL BUSINESS BANK — 2011
What SMALL BUSINESS 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 | 91,374,000 | 92,666,000 | 91,590,000 | 85,958,000 |
| Total loans | 72,079,000 | 67,658,000 | 66,398,000 | 64,373,000 |
| Allowance for loan losses | 992,000 | 900,000 | 904,000 | 856,000 |
| Securities available for sale | 5,691,000 | 11,532,000 | 13,405,000 | 13,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,508,000 | 72,480,000 | 71,090,000 | 68,820,000 |
| Interest-bearing deposits | 59,680,000 | 58,178,000 | 57,012,000 | 54,859,000 |
| Noninterest-bearing deposits | 11,828,000 | 14,302,000 | 14,078,000 | 13,961,000 |
| Equity capital | 8,496,000 | 8,668,000 | 8,874,000 | 8,830,000 |
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 | 1,174,000 | 2,327,000 | 3,444,000 | 4,531,000 |
| Interest expense | 291,000 | 572,000 | 843,000 | 1,102,000 |
| Net interest income | 883,000 | 1,755,000 | 2,601,000 | 3,429,000 |
| Noninterest income | 140,000 | 279,000 | 431,000 | 559,000 |
| Noninterest expense | 765,000 | 1,505,000 | 2,240,000 | 2,997,000 |
| Provision for loan losses | 3,000 | 39,000 | 53,000 | 55,000 |
| Pretax income | 255,000 | 489,000 | 742,000 | 939,000 |
| Income tax | 93,000 | 174,000 | 259,000 | 317,000 |
| Net income | 162,000 | 315,000 | 483,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,304,000 | 8,419,000 | 8,542,000 | 8,481,000 |
| Total capital | 9,248,000 | 9,319,000 | 9,441,000 | 9,337,000 |
| Risk-weighted assets | 75,477,000 | 72,259,000 | 71,891,000 | 70,064,000 |