Call reports 2010
RNB STATE BANK — 2010
What RNB 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 | 146,669,000 | 140,314,000 | 145,897,000 | 146,039,000 |
| Total loans | 96,695,000 | 92,255,000 | 91,878,000 | 89,504,000 |
| Allowance for loan losses | 2,044,000 | 1,638,000 | 1,757,000 | 1,783,000 |
| Securities available for sale | 25,464,000 | 23,960,000 | 24,887,000 | 26,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,397,000 | 121,523,000 | 126,984,000 | 128,470,000 |
| Interest-bearing deposits | 110,491,000 | 103,758,000 | 106,672,000 | 105,938,000 |
| Noninterest-bearing deposits | 16,906,000 | 17,765,000 | 20,312,000 | 22,532,000 |
| Equity capital | 14,827,000 | 14,862,000 | 14,662,000 | 14,105,000 |
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 | 1,649,000 | 3,158,000 | 4,700,000 | 6,213,000 |
| Interest expense | 278,000 | 523,000 | 744,000 | 941,000 |
| Net interest income | 1,371,000 | 2,635,000 | 3,956,000 | 5,272,000 |
| Noninterest income | 205,000 | 437,000 | 672,000 | 921,000 |
| Noninterest expense | 1,447,000 | 2,853,000 | 4,424,000 | 6,077,000 |
| Provision for loan losses | 30,000 | 130,000 | 334,000 | 1,162,000 |
| Pretax income | 99,000 | 89,000 | -130,000 | -1,046,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 89,000 | -130,000 | -1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,498,000 | 14,486,000 | 14,267,000 | 13,851,000 |
| Total capital | 15,916,000 | 15,840,000 | 15,628,000 | 15,197,000 |
| Risk-weighted assets | 113,354,000 | 108,699,000 | 109,115,000 | 107,627,000 |