Call reports 2010
STATE BANK OF DRUMMOND — 2010
What STATE BANK OF DRUMMOND 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 | 41,770,000 | 42,356,000 | 43,623,000 | 41,854,000 |
| Total loans | 26,605,000 | 27,242,000 | 26,683,000 | 26,671,000 |
| Allowance for loan losses | 342,000 | 369,000 | 304,000 | 488,000 |
| Securities available for sale | 7,894,000 | 8,134,000 | 8,371,000 | 8,814,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,965,000 | 36,576,000 | 37,645,000 | 34,682,000 |
| Interest-bearing deposits | 31,462,000 | 31,329,000 | 31,903,000 | 28,654,000 |
| Noninterest-bearing deposits | 4,503,000 | 5,247,000 | 5,742,000 | 6,028,000 |
| Equity capital | 5,693,000 | 5,640,000 | 5,797,000 | 5,582,000 |
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 | 498,000 | 1,072,000 | 1,593,000 | 2,091,000 |
| Interest expense | 56,000 | 112,000 | 169,000 | 222,000 |
| Net interest income | 442,000 | 960,000 | 1,424,000 | 1,869,000 |
| Noninterest income | 68,000 | 143,000 | 210,000 | 286,000 |
| Noninterest expense | 389,000 | 787,000 | 1,180,000 | 1,566,000 |
| Provision for loan losses | 19,000 | 93,000 | 138,000 | 323,000 |
| Pretax income | 102,000 | 223,000 | 316,000 | 266,000 |
| Income tax | 11,000 | 23,000 | 27,000 | 19,000 |
| Net income | 91,000 | 200,000 | 289,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,536,000 | 5,581,000 | 5,669,000 | 5,587,000 |
| Total capital | 5,878,000 | 5,945,000 | 5,973,000 | 5,952,000 |
| Risk-weighted assets | 28,878,000 | 29,109,000 | 29,161,000 | 29,083,000 |