Call reports 2011
FORD COUNTY STATE BANK — 2011
What FORD COUNTY STATE BANK 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 | 32,446,000 | 32,871,000 | 32,190,000 | 33,272,000 |
| Total loans | 17,669,000 | 17,460,000 | 17,347,000 | 17,728,000 |
| Allowance for loan losses | 367,000 | 377,000 | 355,000 | 354,000 |
| Securities available for sale | 6,571,000 | 7,507,000 | 6,190,000 | 5,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,123,000 | 28,392,000 | 27,583,000 | 28,649,000 |
| Interest-bearing deposits | 25,109,000 | 24,829,000 | 24,157,000 | 25,082,000 |
| Noninterest-bearing deposits | 3,014,000 | 3,563,000 | 3,427,000 | 3,567,000 |
| Equity capital | 4,071,000 | 4,219,000 | 4,337,000 | 4,355,000 |
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 | 318,000 | 664,000 | 985,000 | 1,298,000 |
| Interest expense | 58,000 | 109,000 | 156,000 | 201,000 |
| Net interest income | 260,000 | 555,000 | 829,000 | 1,097,000 |
| Noninterest income | 25,000 | 43,000 | 58,000 | 72,000 |
| Noninterest expense | 257,000 | 445,000 | 647,000 | 879,000 |
| Provision for loan losses | 3,000 | 12,000 | 22,000 | 24,000 |
| Pretax income | 25,000 | 141,000 | 218,000 | 266,000 |
| Income tax | 6,000 | 35,000 | 53,000 | 65,000 |
| Net income | 19,000 | 106,000 | 165,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,992,000 | 4,078,000 | 4,138,000 | 4,173,000 |
| Total capital | 4,270,000 | 4,357,000 | 4,409,000 | 4,439,000 |
| Risk-weighted assets | 22,116,000 | 22,222,000 | 21,586,000 | 21,223,000 |