Call reports 2010
STROUD NATIONAL BANK — 2010
What STROUD NATIONAL 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 | 83,641,000 | 80,704,000 | 80,870,000 | 81,002,000 |
| Total loans | 57,149,000 | 56,952,000 | 57,131,000 | 56,006,000 |
| Allowance for loan losses | 744,000 | 815,000 | 813,000 | 991,000 |
| Securities available for sale | 16,940,000 | 17,123,000 | 16,408,000 | 15,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,724,000 | 63,092,000 | 62,622,000 | 63,364,000 |
| Interest-bearing deposits | 53,805,000 | 53,323,000 | 52,040,000 | 52,298,000 |
| Noninterest-bearing deposits | 10,919,000 | 9,769,000 | 10,582,000 | 11,066,000 |
| Equity capital | 7,206,000 | 7,429,000 | 7,770,000 | 7,505,000 |
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 | 1,216,000 | 2,439,000 | 3,664,000 | 4,839,000 |
| Interest expense | 342,000 | 671,000 | 973,000 | 1,256,000 |
| Net interest income | 874,000 | 1,768,000 | 2,691,000 | 3,583,000 |
| Noninterest income | 189,000 | 398,000 | 595,000 | 811,000 |
| Noninterest expense | 774,000 | 1,589,000 | 2,429,000 | 3,154,000 |
| Provision for loan losses | 10,000 | 80,000 | 130,000 | 309,000 |
| Pretax income | 279,000 | 497,000 | 727,000 | 948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 497,000 | 727,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,796,000 | 6,906,000 | 7,137,000 | 7,357,000 |
| Total capital | 7,523,000 | 7,626,000 | 7,857,000 | 8,072,000 |
| Risk-weighted assets | 58,185,000 | 57,576,000 | 57,517,000 | 56,912,000 |