Call reports 2010
COLCHESTER STATE BANK — 2010
What COLCHESTER 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 | 51,941,000 | 51,159,000 | 52,742,000 | 53,213,000 |
| Total loans | 23,274,000 | 24,590,000 | 25,213,000 | 24,519,000 |
| Allowance for loan losses | 507,000 | 484,000 | 503,000 | 485,000 |
| Securities available for sale | 23,749,000 | 23,018,000 | 24,405,000 | 26,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,110,000 | 43,538,000 | 46,405,000 | 47,344,000 |
| Interest-bearing deposits | 38,263,000 | 38,493,000 | 41,696,000 | 41,224,000 |
| Noninterest-bearing deposits | 7,847,000 | 5,045,000 | 4,709,000 | 6,120,000 |
| Equity capital | 5,388,000 | 5,537,000 | 5,792,000 | 5,605,000 |
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 | 577,000 | 1,176,000 | 1,803,000 | 2,410,000 |
| Interest expense | 172,000 | 340,000 | 506,000 | 661,000 |
| Net interest income | 405,000 | 836,000 | 1,297,000 | 1,749,000 |
| Noninterest income | 84,000 | 161,000 | 245,000 | 318,000 |
| Noninterest expense | 268,000 | 519,000 | 806,000 | 1,137,000 |
| Provision for loan losses | 13,000 | 27,000 | 59,000 | 59,000 |
| Pretax income | 233,000 | 478,000 | 704,000 | 898,000 |
| Income tax | 87,000 | 174,000 | 261,000 | 348,000 |
| Net income | 146,000 | 304,000 | 443,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,022,000 | 5,180,000 | 5,319,000 | 5,426,000 |
| Total capital | 5,313,000 | 5,487,000 | 5,634,000 | 5,732,000 |
| Risk-weighted assets | 25,274,000 | 25,635,000 | 26,601,000 | 26,507,000 |