Call reports 2011
STATE BANK OF DRUMMOND — 2011
What STATE BANK OF DRUMMOND 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 | 41,093,000 | 39,974,000 | 40,463,000 | 39,538,000 |
| Total loans | 26,177,000 | 26,300,000 | 24,769,000 | 24,637,000 |
| Allowance for loan losses | 497,000 | 513,000 | 528,000 | 653,000 |
| Securities available for sale | 8,638,000 | 8,484,000 | 8,600,000 | 8,579,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,221,000 | 32,382,000 | 34,114,000 | 33,311,000 |
| Interest-bearing deposits | 30,013,000 | 27,063,000 | 27,989,000 | 27,295,000 |
| Noninterest-bearing deposits | 5,208,000 | 5,319,000 | 6,125,000 | 6,016,000 |
| Equity capital | 5,764,000 | 5,940,000 | 6,124,000 | 6,034,000 |
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 | 519,000 | 1,027,000 | 1,513,000 | 2,002,000 |
| Interest expense | 50,000 | 88,000 | 125,000 | 160,000 |
| Net interest income | 469,000 | 939,000 | 1,388,000 | 1,842,000 |
| Noninterest income | 82,000 | 168,000 | 241,000 | 318,000 |
| Noninterest expense | 389,000 | 770,000 | 1,124,000 | 1,523,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 170,000 |
| Pretax income | 147,000 | 307,000 | 460,000 | 467,000 |
| Income tax | 13,000 | 40,000 | 51,000 | 48,000 |
| Net income | 134,000 | 267,000 | 409,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,707,000 | 5,724,000 | 5,866,000 | 5,762,000 |
| Total capital | 6,062,000 | 6,069,000 | 6,203,000 | 6,096,000 |
| Risk-weighted assets | 28,245,000 | 27,462,000 | 26,764,000 | 26,439,000 |