Call reports 2011
SMALL TOWN BANK — 2011
What SMALL TOWN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 239,099,000 | 242,007,000 | 242,787,000 | 236,703,000 |
| Total loans | 130,795,000 | 128,607,000 | 121,869,000 | 115,300,000 |
| Allowance for loan losses | 2,259,000 | 2,227,000 | 1,705,000 | 3,240,000 |
| Securities available for sale | 83,958,000 | 89,860,000 | 91,682,000 | 91,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,857,000 | 202,254,000 | 200,366,000 | 195,968,000 |
| Interest-bearing deposits | 183,986,000 | 182,763,000 | 182,569,000 | 181,384,000 |
| Noninterest-bearing deposits | 17,871,000 | 19,491,000 | 17,797,000 | 14,584,000 |
| Equity capital | 26,350,000 | 28,825,000 | 30,824,000 | 30,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,669,000 | 9,922,000 | 13,093,000 |
| Interest expense | 1,068,000 | 2,086,000 | 3,072,000 | 4,019,000 |
| Net interest income | 2,284,000 | 4,583,000 | 6,850,000 | 9,074,000 |
| Noninterest income | 229,000 | 409,000 | 509,000 | 737,000 |
| Noninterest expense | 1,228,000 | 2,452,000 | 3,617,000 | 4,868,000 |
| Provision for loan losses | 375,000 | 825,000 | 1,425,000 | 3,800,000 |
| Pretax income | 910,000 | 1,715,000 | 2,317,000 | 1,143,000 |
| Income tax | 178,000 | 240,000 | 337,000 | -401,000 |
| Net income | 732,000 | 1,475,000 | 1,980,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,591,000 | 25,315,000 | 26,871,000 | 26,351,000 |
| Total capital | 27,610,000 | 27,315,000 | 28,576,000 | 28,158,000 |
| Risk-weighted assets | 161,307,000 | 159,813,000 | 149,581,000 | 143,113,000 |