Call reports 2010
SCHWERTNER STATE BANK — 2010
What SCHWERTNER STATE BANK 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 | 32,773,000 | 34,466,000 | 36,716,000 | 38,388,000 |
| Total loans | 7,151,000 | 8,404,000 | 8,336,000 | 7,165,000 |
| Allowance for loan losses | 84,000 | 76,000 | 77,000 | 73,000 |
| Securities available for sale | 11,074,000 | 14,419,000 | 13,801,000 | 12,445,000 |
| Securities held to maturity | 2,506,000 | 1,004,000 | 1,969,000 | 3,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,062,000 | 29,795,000 | 31,948,000 | 33,674,000 |
| Interest-bearing deposits | 20,254,000 | 21,386,000 | 23,477,000 | 26,001,000 |
| Noninterest-bearing deposits | 7,809,000 | 8,408,000 | 8,471,000 | 7,673,000 |
| Equity capital | 4,484,000 | 4,522,000 | 4,616,000 | 4,349,000 |
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 | 224,000 | 492,000 | 796,000 | 1,017,000 |
| Interest expense | 69,000 | 144,000 | 216,000 | 280,000 |
| Net interest income | 155,000 | 348,000 | 580,000 | 737,000 |
| Noninterest income | 77,000 | 159,000 | 251,000 | 343,000 |
| Noninterest expense | 245,000 | 502,000 | 753,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | -13,000 | 5,000 | 78,000 | 53,000 |
| Income tax | -26,000 | -26,000 | -21,000 | 14,000 |
| Net income | 13,000 | 31,000 | 99,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,460,000 | 4,478,000 | 4,545,000 | 4,485,000 |
| Total capital | 4,544,000 | 4,554,000 | 4,622,000 | 4,558,000 |
| Risk-weighted assets | 14,126,000 | 15,866,000 | 15,571,000 | 15,937,000 |