Call reports 2010
NAPOLEON STATE BANK, THE — 2010
What NAPOLEON STATE BANK, THE 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 | 143,850,000 | 146,939,000 | 151,386,000 | 155,286,000 |
| Total loans | 107,719,000 | 112,741,000 | 117,477,000 | 116,235,000 |
| Allowance for loan losses | 1,223,000 | 1,243,000 | 1,235,000 | 1,331,000 |
| Securities available for sale | 7,591,000 | 6,855,000 | 6,253,000 | 7,005,000 |
| Securities held to maturity | 5,665,000 | 6,656,000 | 6,657,000 | 7,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,610,000 | 128,604,000 | 134,551,000 | 138,423,000 |
| Interest-bearing deposits | 108,703,000 | 112,333,000 | 115,895,000 | 118,861,000 |
| Noninterest-bearing deposits | 16,907,000 | 16,271,000 | 18,656,000 | 19,562,000 |
| Equity capital | 13,503,000 | 13,660,000 | 13,924,000 | 14,054,000 |
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 | 1,709,000 | 3,463,000 | 5,272,000 | 7,099,000 |
| Interest expense | 593,000 | 1,182,000 | 1,742,000 | 2,247,000 |
| Net interest income | 1,116,000 | 2,281,000 | 3,530,000 | 4,852,000 |
| Noninterest income | 201,000 | 432,000 | 752,000 | 1,069,000 |
| Noninterest expense | 949,000 | 1,882,000 | 2,803,000 | 3,845,000 |
| Provision for loan losses | 130,000 | 295,000 | 535,000 | 690,000 |
| Pretax income | 238,000 | 536,000 | 944,000 | 1,386,000 |
| Income tax | 82,000 | 187,000 | 334,000 | 494,000 |
| Net income | 156,000 | 349,000 | 610,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,454,000 | 13,594,000 | 13,849,000 | 13,997,000 |
| Total capital | 14,677,000 | 14,837,000 | 15,084,000 | 15,328,000 |
| Risk-weighted assets | 103,154,000 | 106,884,000 | 112,190,000 | 113,346,000 |