Call reports 2010
BANK OF ST. FRANCISVILLE — 2010
What BANK OF ST. FRANCISVILLE 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 | 93,044,000 | 93,550,000 | 91,175,000 | 94,555,000 |
| Total loans | 62,722,000 | 64,078,000 | 64,955,000 | 66,501,000 |
| Allowance for loan losses | 688,000 | 812,000 | 909,000 | 672,000 |
| Securities available for sale | 10,325,000 | 11,438,000 | 11,298,000 | 9,711,000 |
| Securities held to maturity | 609,000 | 865,000 | 609,000 | 609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,549,000 | 75,775,000 | 75,242,000 | 79,894,000 |
| Interest-bearing deposits | 56,256,000 | 55,578,000 | 55,165,000 | 59,239,000 |
| Noninterest-bearing deposits | 19,293,000 | 20,197,000 | 20,077,000 | 20,655,000 |
| Equity capital | 8,807,000 | 8,958,000 | 8,984,000 | 8,933,000 |
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 | 1,276,000 | 2,570,000 | 3,896,000 | 5,111,000 |
| Interest expense | 248,000 | 472,000 | 685,000 | 862,000 |
| Net interest income | 1,028,000 | 2,098,000 | 3,211,000 | 4,249,000 |
| Noninterest income | 244,000 | 545,000 | 784,000 | 1,023,000 |
| Noninterest expense | 980,000 | 1,977,000 | 2,978,000 | 3,979,000 |
| Provision for loan losses | 105,000 | 283,000 | 388,000 | 508,000 |
| Pretax income | 187,000 | 383,000 | 629,000 | 785,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 383,000 | 629,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,653,000 | 8,699,000 | 8,794,000 | 8,800,000 |
| Total capital | 9,341,000 | 9,511,000 | 9,669,000 | 9,472,000 |
| Risk-weighted assets | 63,356,000 | 66,859,000 | 69,936,000 | 70,840,000 |