Call reports 2010
FIRST STATE BANK OF ST. ROBERT — 2010
What FIRST STATE BANK OF ST. ROBERT 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 | 93,111,000 | 92,196,000 | 91,059,000 | 88,728,000 |
| Total loans | 57,088,000 | 55,393,000 | 54,919,000 | 54,534,000 |
| Allowance for loan losses | 761,000 | 678,000 | 691,000 | 704,000 |
| Securities available for sale | 17,415,000 | 17,342,000 | 20,798,000 | 19,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,663,000 | 81,587,000 | 80,157,000 | 79,125,000 |
| Interest-bearing deposits | 73,591,000 | 72,154,000 | 71,371,000 | 69,757,000 |
| Noninterest-bearing deposits | 9,072,000 | 9,433,000 | 8,786,000 | 9,368,000 |
| Equity capital | 8,128,000 | 8,284,000 | 8,496,000 | 8,437,000 |
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 | 1,243,000 | 2,478,000 | 3,698,000 | 4,885,000 |
| Interest expense | 362,000 | 703,000 | 1,023,000 | 1,320,000 |
| Net interest income | 881,000 | 1,775,000 | 2,675,000 | 3,565,000 |
| Noninterest income | 156,000 | 350,000 | 462,000 | 647,000 |
| Noninterest expense | 778,000 | 1,559,000 | 2,356,000 | 3,110,000 |
| Provision for loan losses | 30,000 | 120,000 | 150,000 | 190,000 |
| Pretax income | 233,000 | 450,000 | 634,000 | 915,000 |
| Income tax | 54,000 | 114,000 | 159,000 | 241,000 |
| Net income | 179,000 | 336,000 | 475,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,911,000 | 8,069,000 | 8,207,000 | 8,406,000 |
| Total capital | 8,586,000 | 8,730,000 | 8,856,000 | 9,053,000 |
| Risk-weighted assets | 53,926,000 | 52,868,000 | 51,885,000 | 51,679,000 |