Call reports 2010
CLARKE COUNTY STATE BANK — 2010
What CLARKE COUNTY 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 | 135,874,000 | 129,225,000 | 125,907,000 | 114,139,000 |
| Total loans | 102,004,000 | 95,669,000 | 87,728,000 | 82,836,000 |
| Allowance for loan losses | 3,565,000 | 3,667,000 | 3,507,000 | 3,204,000 |
| Securities available for sale | 16,571,000 | 18,126,000 | 18,315,000 | 20,820,000 |
| Securities held to maturity | 600,000 | 600,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,510,000 | 98,995,000 | 99,929,000 | 95,420,000 |
| Interest-bearing deposits | 99,611,000 | 93,734,000 | 94,595,000 | 90,178,000 |
| Noninterest-bearing deposits | 4,898,000 | 5,261,000 | 5,335,000 | 5,243,000 |
| Equity capital | 12,400,000 | 13,278,000 | 13,023,000 | 11,725,000 |
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 | 1,608,000 | 3,136,000 | 4,532,000 | 5,800,000 |
| Interest expense | 605,000 | 1,254,000 | 1,662,000 | 2,066,000 |
| Net interest income | 1,003,000 | 1,882,000 | 2,870,000 | 3,734,000 |
| Noninterest income | 94,000 | 189,000 | 172,000 | 256,000 |
| Noninterest expense | 686,000 | 1,667,000 | 3,079,000 | 4,753,000 |
| Provision for loan losses | 2,087,000 | 2,438,000 | 4,238,000 | 5,513,000 |
| Pretax income | -1,676,000 | -2,034,000 | -4,275,000 | -6,276,000 |
| Income tax | -667,000 | -891,000 | -1,841,000 | -2,677,000 |
| Net income | -1,009,000 | -1,143,000 | -2,434,000 | -3,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,234,000 | 12,642,000 | 12,330,000 | 9,641,000 |
| Total capital | 13,560,000 | 13,877,000 | 13,533,000 | 10,768,000 |
| Risk-weighted assets | 103,782,000 | 96,360,000 | 93,934,000 | 88,059,000 |