Call reports 2010
CASTROVILLE STATE BANK — 2010
What CASTROVILLE 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 | 106,868,000 | 111,957,000 | 112,007,000 | 111,790,000 |
| Total loans | 42,301,000 | 43,148,000 | 41,014,000 | 41,768,000 |
| Allowance for loan losses | 550,000 | 546,000 | 538,000 | 561,000 |
| Securities available for sale | 48,538,000 | 51,449,000 | 53,527,000 | 55,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,787,000 | 96,456,000 | 95,860,000 | 97,873,000 |
| Interest-bearing deposits | 80,604,000 | 83,729,000 | 82,926,000 | 85,746,000 |
| Noninterest-bearing deposits | 11,183,000 | 12,727,000 | 12,934,000 | 12,128,000 |
| Equity capital | 9,872,000 | 10,219,000 | 10,693,000 | 10,030,000 |
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 | 1,131,000 | 2,302,000 | 3,448,000 | 4,544,000 |
| Interest expense | 369,000 | 748,000 | 1,102,000 | 1,414,000 |
| Net interest income | 762,000 | 1,554,000 | 2,346,000 | 3,130,000 |
| Noninterest income | 152,000 | 314,000 | 472,000 | 636,000 |
| Noninterest expense | 612,000 | 1,221,000 | 1,819,000 | 2,408,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 96,000 |
| Pretax income | 287,000 | 617,000 | 954,000 | 1,262,000 |
| Income tax | 54,000 | 118,000 | 184,000 | 237,000 |
| Net income | 233,000 | 499,000 | 770,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,190,000 | 9,396,000 | 9,607,000 | 9,487,000 |
| Total capital | 9,740,000 | 9,942,000 | 10,145,000 | 10,048,000 |
| Risk-weighted assets | 52,207,000 | 53,392,000 | 50,959,000 | 51,451,000 |