Call reports 2010
STATE BANK OF HERSCHER — 2010
What STATE BANK OF HERSCHER 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 | 182,962,000 | 186,366,000 | 191,649,000 | 190,822,000 |
| Total loans | 137,374,000 | 139,625,000 | 141,466,000 | 143,079,000 |
| Allowance for loan losses | 2,064,000 | 2,130,000 | 2,541,000 | 3,089,000 |
| Securities available for sale | 27,488,000 | 28,322,000 | 30,943,000 | 29,921,000 |
| Securities held to maturity | 5,037,000 | 5,026,000 | 5,024,000 | 4,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,295,000 | 168,176,000 | 172,893,000 | 177,243,000 |
| Interest-bearing deposits | 149,798,000 | 151,333,000 | 155,546,000 | 155,770,000 |
| Noninterest-bearing deposits | 15,497,000 | 16,843,000 | 17,346,000 | 21,473,000 |
| Equity capital | 16,598,000 | 17,127,000 | 17,644,000 | 12,191,000 |
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 | 2,494,000 | 5,238,000 | 8,015,000 | 10,177,000 |
| Interest expense | 682,000 | 1,348,000 | 2,003,000 | 2,618,000 |
| Net interest income | 1,812,000 | 3,890,000 | 6,012,000 | 7,559,000 |
| Noninterest income | 222,000 | 258,000 | 379,000 | 484,000 |
| Noninterest expense | 1,085,000 | 2,195,000 | 3,343,000 | 4,842,000 |
| Provision for loan losses | 325,000 | 675,000 | 1,105,000 | 5,105,000 |
| Pretax income | 624,000 | 1,278,000 | 1,943,000 | -1,904,000 |
| Income tax | 11,000 | 18,000 | 32,000 | 41,000 |
| Net income | 613,000 | 1,260,000 | 1,911,000 | -1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,417,000 | 16,829,000 | 17,242,000 | 12,696,000 |
| Total capital | 18,149,000 | 18,552,000 | 18,995,000 | 14,482,000 |
| Risk-weighted assets | 137,499,000 | 137,471,000 | 139,461,000 | 140,847,000 |