Call reports 2010
STATE BANK OF BOTTINEAU — 2010
What STATE BANK OF BOTTINEAU 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 | 50,745,000 | 49,635,000 | 49,212,000 | 50,287,000 |
| Total loans | 36,026,000 | 37,855,000 | 37,987,000 | 36,060,000 |
| Allowance for loan losses | 473,000 | 494,000 | 612,000 | 571,000 |
| Securities available for sale | 1,680,000 | 1,710,000 | 1,709,000 | 1,622,000 |
| Securities held to maturity | 1,415,000 | 2,057,000 | 1,990,000 | 1,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,981,000 | 43,948,000 | 43,530,000 | 44,530,000 |
| Interest-bearing deposits | 38,988,000 | 37,932,000 | 37,420,000 | 37,418,000 |
| Noninterest-bearing deposits | 5,993,000 | 6,016,000 | 6,110,000 | 7,112,000 |
| Equity capital | 4,555,000 | 4,463,000 | 4,451,000 | 4,529,000 |
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 | 606,000 | 1,219,000 | 1,882,000 | 2,498,000 |
| Interest expense | 170,000 | 303,000 | 425,000 | 539,000 |
| Net interest income | 436,000 | 916,000 | 1,457,000 | 1,959,000 |
| Noninterest income | 56,000 | 123,000 | 75,000 | 56,000 |
| Noninterest expense | 450,000 | 851,000 | 1,259,000 | 1,648,000 |
| Provision for loan losses | 82,000 | 303,000 | 407,000 | 423,000 |
| Pretax income | -40,000 | -115,000 | -134,000 | -56,000 |
| Income tax | 2,000 | 5,000 | 0 | 0 |
| Net income | -42,000 | -120,000 | -134,000 | -56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,212,000 | 4,140,000 | 4,132,000 | 4,214,000 |
| Total capital | 4,665,000 | 4,600,000 | 4,639,000 | 4,666,000 |
| Risk-weighted assets | 36,196,000 | 36,729,000 | 41,405,000 | 36,108,000 |