Call reports 2010
SMALL TOWN BANK — 2010
What SMALL TOWN 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 | 234,608,000 | 231,443,000 | 239,030,000 | 238,226,000 |
| Total loans | 140,352,000 | 140,621,000 | 140,951,000 | 134,905,000 |
| Allowance for loan losses | 1,708,000 | 1,909,000 | 2,166,000 | 2,170,000 |
| Securities available for sale | 71,045,000 | 67,424,000 | 72,748,000 | 70,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,405,000 | 192,726,000 | 198,855,000 | 202,535,000 |
| Interest-bearing deposits | 176,901,000 | 178,686,000 | 182,605,000 | 186,877,000 |
| Noninterest-bearing deposits | 15,504,000 | 14,040,000 | 16,250,000 | 15,659,000 |
| Equity capital | 23,590,000 | 24,699,000 | 26,173,000 | 24,520,000 |
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 | 3,494,000 | 7,114,000 | 10,701,000 | 14,203,000 |
| Interest expense | 1,317,000 | 2,574,000 | 3,774,000 | 4,920,000 |
| Net interest income | 2,177,000 | 4,540,000 | 6,927,000 | 9,283,000 |
| Noninterest income | 306,000 | 658,000 | 905,000 | 690,000 |
| Noninterest expense | 1,445,000 | 2,896,000 | 4,166,000 | 4,572,000 |
| Provision for loan losses | 325,000 | 625,000 | 1,050,000 | 1,275,000 |
| Pretax income | 913,000 | 2,005,000 | 2,944,000 | 4,454,000 |
| Income tax | 228,000 | 507,000 | 735,000 | 773,000 |
| Net income | 685,000 | 1,498,000 | 2,209,000 | 3,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,186,000 | 21,718,000 | 23,354,000 | 24,843,000 |
| Total capital | 22,894,000 | 23,627,000 | 25,405,000 | 26,743,000 |
| Risk-weighted assets | 169,289,000 | 165,974,000 | 163,985,000 | 151,765,000 |