Call reports 2010
FORD COUNTY STATE BANK — 2010
What FORD COUNTY 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 | 29,112,000 | 29,034,000 | 29,661,000 | 30,665,000 |
| Total loans | 16,363,000 | 18,074,000 | 18,362,000 | 18,936,000 |
| Allowance for loan losses | 329,000 | 341,000 | 352,000 | 363,000 |
| Securities available for sale | 8,315,000 | 6,309,000 | 5,451,000 | 5,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,004,000 | 24,826,000 | 25,343,000 | 26,373,000 |
| Interest-bearing deposits | 22,724,000 | 22,149,000 | 22,318,000 | 23,376,000 |
| Noninterest-bearing deposits | 2,280,000 | 2,677,000 | 3,025,000 | 2,997,000 |
| Equity capital | 3,866,000 | 3,967,000 | 4,067,000 | 4,050,000 |
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 | 317,000 | 679,000 | 1,014,000 | 1,375,000 |
| Interest expense | 76,000 | 148,000 | 218,000 | 285,000 |
| Net interest income | 241,000 | 531,000 | 796,000 | 1,090,000 |
| Noninterest income | 22,000 | 39,000 | 60,000 | 77,000 |
| Noninterest expense | 210,000 | 388,000 | 586,000 | 780,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 31,000 |
| Pretax income | 53,000 | 172,000 | 250,000 | 356,000 |
| Income tax | 13,000 | 40,000 | 60,000 | 78,000 |
| Net income | 40,000 | 132,000 | 190,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,774,000 | 3,867,000 | 3,925,000 | 4,013,000 |
| Total capital | 4,030,000 | 4,138,000 | 4,201,000 | 4,298,000 |
| Risk-weighted assets | 20,439,000 | 21,590,000 | 22,013,000 | 22,745,000 |