Call reports 2010
STATE BANK OF CARBONDALE — 2010
What STATE BANK OF CARBONDALE 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 | 18,922,000 | 18,552,000 | 18,573,000 | 18,120,000 |
| Total loans | 9,996,000 | 10,220,000 | 10,632,000 | 11,079,000 |
| Allowance for loan losses | 126,000 | 126,000 | 126,000 | 125,000 |
| Securities available for sale | 5,464,000 | 5,067,000 | 5,765,000 | 5,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,070,000 | 16,657,000 | 16,656,000 | 16,236,000 |
| Interest-bearing deposits | 13,780,000 | 13,596,000 | 13,451,000 | 13,175,000 |
| Noninterest-bearing deposits | 3,290,000 | 3,061,000 | 3,205,000 | 3,061,000 |
| Equity capital | 1,552,000 | 1,589,000 | 1,607,000 | 1,591,000 |
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 | 210,000 | 421,000 | 636,000 | 846,000 |
| Interest expense | 38,000 | 73,000 | 108,000 | 142,000 |
| Net interest income | 172,000 | 348,000 | 528,000 | 704,000 |
| Noninterest income | 33,000 | 70,000 | 103,000 | 140,000 |
| Noninterest expense | 192,000 | 381,000 | 576,000 | 777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 37,000 | 55,000 | 67,000 |
| Income tax | 11,000 | 11,000 | 11,000 | 11,000 |
| Net income | 2,000 | 26,000 | 44,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,529,000 | 1,552,000 | 1,570,000 | 1,582,000 |
| Total capital | 1,655,000 | 1,678,000 | 1,696,000 | 1,707,000 |
| Risk-weighted assets | 10,616,000 | 10,766,000 | 11,120,000 | 11,392,000 |