Call reports 2010
STATE BANK OF DELPHOS — 2010
What STATE BANK OF DELPHOS 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 | 38,677,000 | 38,488,000 | 40,230,000 | 40,291,000 |
| Total loans | 26,406,000 | 26,921,000 | 29,557,000 | 30,484,000 |
| Allowance for loan losses | 452,000 | 431,000 | 437,000 | 438,000 |
| Securities available for sale | 4,737,000 | 4,204,000 | 3,739,000 | 4,180,000 |
| Securities held to maturity | 3,074,000 | 3,168,000 | 3,326,000 | 3,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,702,000 | 31,713,000 | 32,968,000 | 31,723,000 |
| Interest-bearing deposits | 27,280,000 | 26,744,000 | 27,988,000 | 26,250,000 |
| Noninterest-bearing deposits | 4,422,000 | 4,969,000 | 4,980,000 | 5,473,000 |
| Equity capital | 3,543,000 | 3,514,000 | 3,560,000 | 3,628,000 |
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 | 494,000 | 986,000 | 1,513,000 | 2,042,000 |
| Interest expense | 142,000 | 279,000 | 411,000 | 530,000 |
| Net interest income | 352,000 | 707,000 | 1,102,000 | 1,512,000 |
| Noninterest income | 270,000 | 300,000 | 339,000 | 362,000 |
| Noninterest expense | 317,000 | 613,000 | 897,000 | 1,180,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 305,000 | 394,000 | 519,000 | 669,000 |
| Income tax | 5,000 | 10,000 | 17,000 | 24,000 |
| Net income | 300,000 | 384,000 | 502,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,519,000 | 3,469,000 | 3,526,000 | 3,664,000 |
| Total capital | 3,871,000 | 3,814,000 | 3,900,000 | 4,046,000 |
| Risk-weighted assets | 29,595,000 | 27,544,000 | 29,896,000 | 30,532,000 |