Call reports 2010
ALMENA STATE BANK — 2010
What ALMENA 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 | 20,993,000 | 21,773,000 | 21,598,000 | 21,563,000 |
| Total loans | 16,286,000 | 17,647,000 | 17,916,000 | 16,695,000 |
| Allowance for loan losses | 227,000 | 245,000 | 241,000 | 241,000 |
| Securities available for sale | 1,550,000 | 1,732,000 | 1,630,000 | 1,581,000 |
| Securities held to maturity | 11,000 | 11,000 | 11,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,644,000 | 20,386,000 | 20,007,000 | 19,938,000 |
| Interest-bearing deposits | 16,287,000 | 17,073,000 | 16,802,000 | 16,241,000 |
| Noninterest-bearing deposits | 3,357,000 | 3,313,000 | 3,205,000 | 3,696,000 |
| Equity capital | 1,293,000 | 1,341,000 | 1,536,000 | 1,593,000 |
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 | 318,000 | 657,000 | 1,004,000 | 1,326,000 |
| Interest expense | 51,000 | 99,000 | 144,000 | 182,000 |
| Net interest income | 267,000 | 558,000 | 860,000 | 1,144,000 |
| Noninterest income | 80,000 | 158,000 | 302,000 | 439,000 |
| Noninterest expense | 297,000 | 566,000 | 836,000 | 1,161,000 |
| Provision for loan losses | 108,000 | 126,000 | 126,000 | 126,000 |
| Pretax income | -58,000 | 21,000 | 197,000 | 299,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 4,000 |
| Net income | -61,000 | 17,000 | 193,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,287,000 | 1,303,000 | 1,482,000 | 1,582,000 |
| Total capital | 1,492,000 | 1,520,000 | 1,702,000 | 1,799,000 |
| Risk-weighted assets | 16,386,000 | 17,370,000 | 17,543,000 | 17,326,000 |