Call reports 2010
STONE BANK — 2010
What STONE 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 | 67,900,000 | 66,364,000 | 61,696,000 | 60,932,000 |
| Total loans | 38,332,000 | 42,656,000 | 45,847,000 | 47,428,000 |
| Allowance for loan losses | 709,000 | 804,000 | 1,030,000 | 2,280,000 |
| Securities available for sale | 17,957,000 | 14,342,000 | 11,753,000 | 8,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,283,000 | 59,604,000 | 54,302,000 | 53,585,000 |
| Interest-bearing deposits | 58,561,000 | 56,574,000 | 51,420,000 | 50,673,000 |
| Noninterest-bearing deposits | 2,722,000 | 3,030,000 | 2,882,000 | 2,912,000 |
| Equity capital | 6,424,000 | 6,570,000 | 6,517,000 | 6,282,000 |
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 | 828,000 | 1,710,000 | 2,634,000 | 3,543,000 |
| Interest expense | 390,000 | 798,000 | 1,140,000 | 1,459,000 |
| Net interest income | 438,000 | 912,000 | 1,494,000 | 2,084,000 |
| Noninterest income | 31,000 | 120,000 | 189,000 | 417,000 |
| Noninterest expense | 484,000 | 1,115,000 | 1,481,000 | 2,236,000 |
| Provision for loan losses | 60,000 | 154,000 | 434,000 | 1,715,000 |
| Pretax income | -75,000 | -237,000 | 43,000 | -1,148,000 |
| Income tax | -31,000 | -96,000 | 18,000 | -439,000 |
| Net income | -44,000 | -141,000 | 25,000 | -709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,823,000 | 5,277,000 | 4,799,000 | 4,038,000 |
| Total capital | 5,272,000 | 5,775,000 | 5,294,000 | 4,569,000 |
| Risk-weighted assets | 35,678,000 | 39,505,000 | 39,035,000 | 40,754,000 |