Call reports 2010
STATE EXCHANGE BANK, THE — 2010
What STATE EXCHANGE BANK, THE 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 | 31,338,000 | 31,290,000 | 31,121,000 | 33,825,000 |
| Total loans | 17,616,000 | 18,136,000 | 17,539,000 | 17,222,000 |
| Allowance for loan losses | 578,000 | 637,000 | 286,000 | 284,000 |
| Securities available for sale | 10,049,000 | 10,126,000 | 10,887,000 | 13,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,584,000 | 25,465,000 | 25,280,000 | 28,188,000 |
| Interest-bearing deposits | 22,320,000 | 21,721,000 | 21,842,000 | 23,101,000 |
| Noninterest-bearing deposits | 3,264,000 | 3,744,000 | 3,438,000 | 5,087,000 |
| Equity capital | 2,795,000 | 2,867,000 | 2,912,000 | 2,735,000 |
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 | 393,000 | 765,000 | 1,163,000 | 1,552,000 |
| Interest expense | 116,000 | 229,000 | 329,000 | 427,000 |
| Net interest income | 277,000 | 536,000 | 834,000 | 1,125,000 |
| Noninterest income | 18,000 | 37,000 | 55,000 | 81,000 |
| Noninterest expense | 195,000 | 457,000 | 626,000 | 853,000 |
| Provision for loan losses | 0 | 50,000 | 230,000 | 230,000 |
| Pretax income | 100,000 | 66,000 | 33,000 | 173,000 |
| Income tax | 3,000 | 4,000 | -24,000 | -35,000 |
| Net income | 97,000 | 62,000 | 57,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,650,000 | 2,615,000 | 2,611,000 | 2,760,000 |
| Total capital | 2,917,000 | 2,880,000 | 2,871,000 | 3,032,000 |
| Risk-weighted assets | 21,041,000 | 20,821,000 | 20,759,000 | 21,725,000 |