Call reports 2011
BANK OF ERATH — 2011
What BANK OF ERATH 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 | 83,831,000 | 83,648,000 | 86,657,000 | 87,911,000 |
| Total loans | 50,311,000 | 53,558,000 | 54,327,000 | 50,740,000 |
| Allowance for loan losses | 595,000 | 564,000 | 559,000 | 622,000 |
| Securities available for sale | 21,459,000 | 22,408,000 | 21,738,000 | 24,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,143,000 | 70,307,000 | 72,625,000 | 74,912,000 |
| Interest-bearing deposits | 48,178,000 | 48,965,000 | 49,336,000 | 49,014,000 |
| Noninterest-bearing deposits | 22,965,000 | 21,342,000 | 23,289,000 | 25,898,000 |
| Equity capital | 12,238,000 | 12,535,000 | 13,048,000 | 12,477,000 |
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 | 988,000 | 1,991,000 | 3,056,000 | 4,091,000 |
| Interest expense | 112,000 | 220,000 | 327,000 | 427,000 |
| Net interest income | 876,000 | 1,771,000 | 2,729,000 | 3,664,000 |
| Noninterest income | 218,000 | 416,000 | 539,000 | 681,000 |
| Noninterest expense | 771,000 | 1,611,000 | 2,313,000 | 3,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 323,000 | 576,000 | 955,000 | 1,079,000 |
| Income tax | 99,000 | 174,000 | 243,000 | 235,000 |
| Net income | 224,000 | 402,000 | 712,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,006,000 | 12,149,000 | 12,458,000 | 11,915,000 |
| Total capital | 12,601,000 | 12,713,000 | 13,017,000 | 12,537,000 |
| Risk-weighted assets | 59,207,000 | 57,952,000 | 61,179,000 | 59,585,000 |