Call reports 2011
FIRST BANK OF BANCROFT — 2011
What FIRST BANK OF BANCROFT 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 | 21,223,000 | 21,184,000 | 20,988,000 | 19,904,000 |
| Total loans | 11,148,000 | 9,651,000 | 9,058,000 | 10,932,000 |
| Allowance for loan losses | 134,000 | 140,000 | 139,000 | 144,000 |
| Securities available for sale | 5,594,000 | 8,212,000 | 8,339,000 | 4,637,000 |
| Securities held to maturity | 66,000 | 66,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,822,000 | 17,649,000 | 17,412,000 | 16,062,000 |
| Interest-bearing deposits | 14,059,000 | 14,533,000 | 14,264,000 | 13,156,000 |
| Noninterest-bearing deposits | 3,763,000 | 3,116,000 | 3,148,000 | 2,906,000 |
| Equity capital | 3,193,000 | 3,303,000 | 3,337,000 | 3,188,000 |
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 | 222,000 | 442,000 | 655,000 | 863,000 |
| Interest expense | 35,000 | 69,000 | 102,000 | 133,000 |
| Net interest income | 187,000 | 373,000 | 553,000 | 730,000 |
| Noninterest income | 14,000 | 29,000 | 51,000 | 67,000 |
| Noninterest expense | 120,000 | 238,000 | 354,000 | 545,000 |
| Provision for loan losses | 11,000 | 21,000 | 21,000 | 46,000 |
| Pretax income | 70,000 | 143,000 | 229,000 | 204,000 |
| Income tax | 22,000 | 38,000 | 63,000 | 45,000 |
| Net income | 48,000 | 105,000 | 166,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,183,000 | 3,240,000 | 3,301,000 | 3,194,000 |
| Total capital | 3,317,000 | 3,380,000 | 3,440,000 | 3,338,000 |
| Risk-weighted assets | 14,107,000 | 13,078,000 | 12,501,000 | 13,798,000 |