Call reports 2010
STONE COUNTY NATIONAL BANK — 2010
What STONE COUNTY NATIONAL 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 | 85,364,000 | 86,484,000 | 86,370,000 | 84,960,000 |
| Total loans | 47,351,000 | 43,743,000 | 42,755,000 | 39,977,000 |
| Allowance for loan losses | 1,344,000 | 1,035,000 | 1,142,000 | 1,134,000 |
| Securities available for sale | 25,663,000 | 27,736,000 | 30,941,000 | 34,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,957,000 | 76,820,000 | 76,613,000 | 76,208,000 |
| Interest-bearing deposits | 63,287,000 | 63,626,000 | 63,306,000 | 63,297,000 |
| Noninterest-bearing deposits | 12,670,000 | 13,194,000 | 13,307,000 | 12,911,000 |
| Equity capital | 9,255,000 | 9,481,000 | 9,571,000 | 8,643,000 |
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 | 1,055,000 | 2,048,000 | 3,055,000 | 4,057,000 |
| Interest expense | 233,000 | 465,000 | 691,000 | 876,000 |
| Net interest income | 822,000 | 1,583,000 | 2,364,000 | 3,181,000 |
| Noninterest income | 112,000 | 238,000 | 343,000 | 343,000 |
| Noninterest expense | 828,000 | 1,650,000 | 2,561,000 | 3,529,000 |
| Provision for loan losses | 386,000 | 446,000 | 532,000 | 572,000 |
| Pretax income | -280,000 | -275,000 | -375,000 | -566,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -280,000 | -275,000 | -375,000 | -566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,141,000 | 9,174,000 | 9,074,000 | 8,883,000 |
| Total capital | 9,858,000 | 10,103,000 | 9,992,000 | 9,791,000 |
| Risk-weighted assets | 56,697,000 | 74,372,000 | 72,731,000 | 72,378,000 |