Call reports 2010
STATE BANK OF FAIRMONT — 2010
What STATE BANK OF FAIRMONT 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 | 93,161,000 | 93,901,000 | 92,889,000 | 91,237,000 |
| Total loans | 61,349,000 | 64,140,000 | 63,410,000 | 62,866,000 |
| Allowance for loan losses | 1,169,000 | 1,202,000 | 1,195,000 | 1,252,000 |
| Securities available for sale | 21,827,000 | 20,473,000 | 19,139,000 | 18,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,526,000 | 77,230,000 | 77,930,000 | 78,330,000 |
| Interest-bearing deposits | 70,966,000 | 70,888,000 | 70,467,000 | 71,046,000 |
| Noninterest-bearing deposits | 6,560,000 | 6,342,000 | 7,463,000 | 7,284,000 |
| Equity capital | 9,758,000 | 9,999,000 | 10,273,000 | 9,753,000 |
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 | 1,282,000 | 2,599,000 | 3,883,000 | 5,073,000 |
| Interest expense | 387,000 | 767,000 | 1,129,000 | 1,451,000 |
| Net interest income | 895,000 | 1,832,000 | 2,754,000 | 3,622,000 |
| Noninterest income | 50,000 | 120,000 | 178,000 | 189,000 |
| Noninterest expense | 484,000 | 979,000 | 1,449,000 | 2,294,000 |
| Provision for loan losses | 60,000 | 170,000 | 230,000 | 290,000 |
| Pretax income | 402,000 | 832,000 | 1,288,000 | 1,263,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 401,000 | 831,000 | 1,287,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,250,000 | 9,325,000 | 9,603,000 | 9,578,000 |
| Total capital | 10,125,000 | 10,227,000 | 10,492,000 | 10,464,000 |
| Risk-weighted assets | 69,736,000 | 71,827,000 | 70,794,000 | 70,484,000 |
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