Call reports 2011
STONE BANK — 2011
What STONE BANK 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 | 63,295,000 | 64,668,000 | 65,170,000 | 64,689,000 |
| Total loans | 48,345,000 | 47,935,000 | 46,965,000 | 45,738,000 |
| Allowance for loan losses | 2,079,000 | 1,972,000 | 1,888,000 | 1,775,000 |
| Securities available for sale | 7,231,000 | 9,479,000 | 12,084,000 | 11,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,457,000 | 57,739,000 | 58,038,000 | 56,363,000 |
| Interest-bearing deposits | 53,917,000 | 55,465,000 | 55,095,000 | 53,677,000 |
| Noninterest-bearing deposits | 2,540,000 | 2,274,000 | 2,943,000 | 2,686,000 |
| Equity capital | 6,718,000 | 6,753,000 | 6,882,000 | 8,090,000 |
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 | 767,000 | 1,567,000 | 2,381,000 | 3,218,000 |
| Interest expense | 306,000 | 582,000 | 845,000 | 1,097,000 |
| Net interest income | 461,000 | 985,000 | 1,536,000 | 2,121,000 |
| Noninterest income | 83,000 | 166,000 | 238,000 | 480,000 |
| Noninterest expense | 604,000 | 1,264,000 | 1,899,000 | 2,545,000 |
| Provision for loan losses | 130,000 | 180,000 | 395,000 | 395,000 |
| Pretax income | -195,000 | -298,000 | -437,000 | -234,000 |
| Income tax | -73,000 | -106,000 | -158,000 | -89,000 |
| Net income | -122,000 | -192,000 | -279,000 | -145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,368,000 | 4,277,000 | 4,345,000 | 5,556,000 |
| Total capital | 4,908,000 | 4,827,000 | 4,891,000 | 6,094,000 |
| Risk-weighted assets | 41,632,000 | 42,597,000 | 42,325,000 | 41,803,000 |