Call reports 2011
STATE BANK OF FAIRMONT — 2011
What STATE BANK OF FAIRMONT 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 | 92,894,000 | 95,506,000 | 95,068,000 | 92,905,000 |
| Total loans | 64,398,000 | 65,874,000 | 65,202,000 | 63,121,000 |
| Allowance for loan losses | 1,310,000 | 1,365,000 | 1,395,000 | 1,239,000 |
| Securities available for sale | 18,950,000 | 20,227,000 | 21,740,000 | 23,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,668,000 | 78,022,000 | 78,278,000 | 78,817,000 |
| Interest-bearing deposits | 70,995,000 | 71,467,000 | 70,200,000 | 70,266,000 |
| Noninterest-bearing deposits | 7,673,000 | 6,555,000 | 8,078,000 | 8,551,000 |
| Equity capital | 10,173,000 | 10,395,000 | 10,628,000 | 10,551,000 |
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 | 1,184,000 | 2,415,000 | 3,636,000 | 4,833,000 |
| Interest expense | 284,000 | 557,000 | 824,000 | 1,067,000 |
| Net interest income | 900,000 | 1,858,000 | 2,812,000 | 3,766,000 |
| Noninterest income | 56,000 | 109,000 | 139,000 | 168,000 |
| Noninterest expense | 452,000 | 969,000 | 1,479,000 | 2,373,000 |
| Provision for loan losses | 60,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 444,000 | 888,000 | 1,332,000 | 1,401,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 443,000 | 887,000 | 1,331,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,900,000 | 9,767,000 | 10,006,000 | 10,075,000 |
| Total capital | 10,788,000 | 10,681,000 | 10,916,000 | 10,963,000 |
| Risk-weighted assets | 70,619,000 | 72,685,000 | 72,334,000 | 70,684,000 |