Call reports 2010
22ND STATE BANKING COMPANY — 2010
What 22ND STATE BANKING COMPANY 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 | 196,684,000 | 205,524,000 | 201,040,000 | 194,051,000 |
| Total loans | 157,143,000 | 158,199,000 | 149,959,000 | 145,678,000 |
| Allowance for loan losses | 4,587,000 | 3,942,000 | 2,925,000 | 4,251,000 |
| Securities available for sale | 21,689,000 | 23,024,000 | 23,841,000 | 24,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,206,000 | 187,183,000 | 183,215,000 | 178,237,000 |
| Interest-bearing deposits | 168,887,000 | 177,847,000 | 172,758,000 | 168,795,000 |
| Noninterest-bearing deposits | 10,319,000 | 9,336,000 | 10,457,000 | 9,442,000 |
| Equity capital | 11,794,000 | 12,679,000 | 12,131,000 | 10,365,000 |
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 | 2,698,000 | 5,456,000 | 8,166,000 | 10,667,000 |
| Interest expense | 1,081,000 | 2,139,000 | 3,130,000 | 4,048,000 |
| Net interest income | 1,617,000 | 3,317,000 | 5,036,000 | 6,619,000 |
| Noninterest income | 131,000 | 197,000 | 164,000 | 259,000 |
| Noninterest expense | 1,145,000 | 2,357,000 | 3,647,000 | 4,962,000 |
| Provision for loan losses | 1,050,000 | 1,050,000 | 2,185,000 | 3,605,000 |
| Pretax income | -373,000 | 181,000 | -225,000 | -1,291,000 |
| Income tax | -20,000 | 4,000 | -15,000 | -84,000 |
| Net income | -353,000 | 177,000 | -210,000 | -1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,843,000 | 12,373,000 | 11,986,000 | 10,989,000 |
| Total capital | 13,806,000 | 14,345,000 | 13,870,000 | 12,816,000 |
| Risk-weighted assets | 154,455,000 | 155,815,000 | 149,680,000 | 143,761,000 |