Call reports 2011
STATE BANK OF CARBONDALE — 2011
What STATE BANK OF CARBONDALE 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 | 18,936,000 | 18,517,000 | 18,215,000 | 17,548,000 |
| Total loans | 10,322,000 | 10,169,000 | 10,213,000 | 9,728,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 5,697,000 | 5,863,000 | 5,178,000 | 4,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,039,000 | 16,596,000 | 16,273,000 | 15,612,000 |
| Interest-bearing deposits | 13,863,000 | 13,659,000 | 13,237,000 | 12,573,000 |
| Noninterest-bearing deposits | 3,176,000 | 2,937,000 | 3,036,000 | 3,039,000 |
| Equity capital | 1,606,000 | 1,622,000 | 1,645,000 | 1,651,000 |
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 | 209,000 | 406,000 | 601,000 | 789,000 |
| Interest expense | 32,000 | 66,000 | 96,000 | 122,000 |
| Net interest income | 177,000 | 340,000 | 505,000 | 667,000 |
| Noninterest income | 38,000 | 59,000 | 95,000 | 128,000 |
| Noninterest expense | 190,000 | 377,000 | 562,000 | 749,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 22,000 | 38,000 | 46,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 4,000 |
| Net income | 19,000 | 16,000 | 32,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,601,000 | 1,598,000 | 1,613,000 | 1,624,000 |
| Total capital | 1,726,000 | 1,723,000 | 1,738,000 | 1,749,000 |
| Risk-weighted assets | 11,151,000 | 11,045,000 | 11,059,000 | 10,446,000 |