Call reports 2010
DEFIANCE STATE BANK — 2010
What DEFIANCE STATE BANK 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 | 23,463,000 | 22,660,000 | 22,685,000 | 24,924,000 |
| Total loans | 15,608,000 | 16,265,000 | 16,143,000 | 15,090,000 |
| Allowance for loan losses | 196,000 | 196,000 | 195,000 | 138,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,344,000 | 19,193,000 | 18,993,000 | 22,274,000 |
| Interest-bearing deposits | 17,180,000 | 16,479,000 | 15,939,000 | 19,478,000 |
| Noninterest-bearing deposits | 1,164,000 | 2,714,000 | 3,054,000 | 2,796,000 |
| Equity capital | 2,333,000 | 2,399,000 | 2,374,000 | 2,309,000 |
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 | 308,000 | 598,000 | 883,000 | 1,153,000 |
| Interest expense | 62,000 | 120,000 | 166,000 | 208,000 |
| Net interest income | 246,000 | 478,000 | 717,000 | 945,000 |
| Noninterest income | 18,000 | 38,000 | 55,000 | 71,000 |
| Noninterest expense | 191,000 | 377,000 | 551,000 | 858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 139,000 | 221,000 | 158,000 |
| Income tax | 0 | 0 | 7,000 | 9,000 |
| Net income | 73,000 | 139,000 | 214,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,333,000 | 2,399,000 | 2,374,000 | 2,309,000 |
| Total capital | 2,529,000 | 2,595,000 | 2,569,000 | 2,447,000 |
| Risk-weighted assets | 16,455,000 | 16,610,000 | 16,500,000 | 16,161,000 |