Call reports 2011
S-BANK — 2011
What S-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 | 214,726,000 | 222,192,000 | 213,489,000 | 214,667,000 |
| Total loans | 145,018,000 | 142,328,000 | 135,996,000 | 126,974,000 |
| Allowance for loan losses | 1,676,000 | 2,068,000 | 2,035,000 | 2,009,000 |
| Securities available for sale | 39,105,000 | 58,006,000 | 57,697,000 | 62,830,000 |
| Securities held to maturity | 183,000 | 177,000 | 175,000 | 173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,583,000 | 192,125,000 | 182,654,000 | 183,476,000 |
| Interest-bearing deposits | 165,268,000 | 172,012,000 | 163,880,000 | 163,016,000 |
| Noninterest-bearing deposits | 19,315,000 | 20,113,000 | 18,774,000 | 20,460,000 |
| Equity capital | 15,862,000 | 15,976,000 | 16,597,000 | 16,612,000 |
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 | 2,295,000 | 4,647,000 | 7,122,000 | 9,243,000 |
| Interest expense | 598,000 | 1,177,000 | 1,723,000 | 2,231,000 |
| Net interest income | 1,697,000 | 3,470,000 | 5,399,000 | 7,012,000 |
| Noninterest income | 170,000 | 321,000 | 433,000 | 419,000 |
| Noninterest expense | 1,703,000 | 3,285,000 | 4,802,000 | 6,400,000 |
| Provision for loan losses | 1,000 | 470,000 | 470,000 | 470,000 |
| Pretax income | 153,000 | -3,000 | 567,000 | 689,000 |
| Income tax | 34,000 | -32,000 | 160,000 | 194,000 |
| Net income | 119,000 | 29,000 | 407,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,164,000 | 16,040,000 | 16,355,000 | 16,330,000 |
| Total capital | 17,895,000 | 17,784,000 | 18,035,000 | 17,962,000 |
| Risk-weighted assets | 138,450,000 | 139,132,000 | 133,926,000 | 130,100,000 |