Call reports 2010
BATH STATE BANK — 2010
What BATH 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 | 151,964,000 | 146,833,000 | 149,515,000 | 148,060,000 |
| Total loans | 116,658,000 | 116,085,000 | 113,448,000 | 113,590,000 |
| Allowance for loan losses | 2,985,000 | 2,952,000 | 2,680,000 | 2,646,000 |
| Securities available for sale | 15,035,000 | 14,802,000 | 13,850,000 | 16,093,000 |
| Securities held to maturity | 1,034,000 | 2,211,000 | 2,044,000 | 1,828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,594,000 | 123,227,000 | 125,664,000 | 125,349,000 |
| Interest-bearing deposits | 120,849,000 | 117,128,000 | 118,104,000 | 116,989,000 |
| Noninterest-bearing deposits | 7,745,000 | 6,099,000 | 7,560,000 | 8,360,000 |
| Equity capital | 11,976,000 | 12,279,000 | 12,652,000 | 13,084,000 |
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 | 2,117,000 | 4,244,000 | 6,232,000 | 8,290,000 |
| Interest expense | 914,000 | 1,755,000 | 2,565,000 | 3,333,000 |
| Net interest income | 1,203,000 | 2,489,000 | 3,667,000 | 4,957,000 |
| Noninterest income | 140,000 | 385,000 | 688,000 | 848,000 |
| Noninterest expense | 900,000 | 1,765,000 | 2,668,000 | 3,631,000 |
| Provision for loan losses | 353,000 | 656,000 | 994,000 | 1,167,000 |
| Pretax income | 90,000 | 453,000 | 697,000 | 1,011,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 90,000 | 453,000 | 697,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,742,000 | 12,028,000 | 12,196,000 | 13,010,000 |
| Total capital | 13,165,000 | 13,430,000 | 13,584,000 | 14,365,000 |
| Risk-weighted assets | 112,278,000 | 110,607,000 | 109,754,000 | 114,788,000 |