Call reports 2010
MANSON STATE BANK — 2010
What MANSON 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 | 34,783,000 | 34,789,000 | 34,781,000 | 34,495,000 |
| Total loans | 14,573,000 | 14,107,000 | 13,245,000 | 12,282,000 |
| Allowance for loan losses | 281,000 | 257,000 | 173,000 | 165,000 |
| Securities available for sale | 16,926,000 | 18,629,000 | 18,881,000 | 20,008,000 |
| Securities held to maturity | 17,000 | 16,000 | 16,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,679,000 | 30,286,000 | 30,524,000 | 30,576,000 |
| Interest-bearing deposits | 26,522,000 | 26,327,000 | 25,395,000 | 25,945,000 |
| Noninterest-bearing deposits | 4,157,000 | 3,959,000 | 5,129,000 | 4,631,000 |
| Equity capital | 3,994,000 | 4,011,000 | 4,156,000 | 3,655,000 |
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 | 322,000 | 638,000 | 950,000 | 1,244,000 |
| Interest expense | 82,000 | 156,000 | 227,000 | 296,000 |
| Net interest income | 240,000 | 482,000 | 723,000 | 948,000 |
| Noninterest income | 33,000 | 66,000 | 90,000 | 118,000 |
| Noninterest expense | 208,000 | 420,000 | 609,000 | 822,000 |
| Provision for loan losses | 0 | 40,000 | 158,000 | 158,000 |
| Pretax income | 105,000 | 157,000 | 235,000 | 307,000 |
| Income tax | 5,000 | 8,000 | 12,000 | 15,000 |
| Net income | 100,000 | 149,000 | 223,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,166,000 | 3,155,000 | 3,195,000 | 3,203,000 |
| Total capital | 3,402,000 | 3,388,000 | 3,368,000 | 3,368,000 |
| Risk-weighted assets | 18,850,000 | 18,611,000 | 17,139,000 | 16,869,000 |