Call reports 2010
STATE BANK OF SCHALLER — 2010
What STATE BANK OF SCHALLER 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 | 24,990,000 | 25,855,000 | 25,950,000 | 23,388,000 |
| Total loans | 9,097,000 | 8,940,000 | 8,864,000 | 8,831,000 |
| Allowance for loan losses | 184,000 | 185,000 | 162,000 | 161,000 |
| Securities available for sale | 4,133,000 | 5,258,000 | 4,864,000 | 2,255,000 |
| Securities held to maturity | 8,148,000 | 8,442,000 | 9,840,000 | 10,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,489,000 | 23,244,000 | 22,827,000 | 19,919,000 |
| Interest-bearing deposits | 19,859,000 | 20,503,000 | 20,135,000 | 17,080,000 |
| Noninterest-bearing deposits | 2,630,000 | 2,741,000 | 2,692,000 | 2,839,000 |
| Equity capital | 2,365,000 | 2,498,000 | 2,629,000 | 2,518,000 |
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 | 264,000 | 514,000 | 795,000 | 1,044,000 |
| Interest expense | 57,000 | 114,000 | 170,000 | 219,000 |
| Net interest income | 207,000 | 400,000 | 625,000 | 825,000 |
| Noninterest income | 89,000 | 175,000 | 260,000 | 471,000 |
| Noninterest expense | 189,000 | 338,000 | 498,000 | 739,000 |
| Provision for loan losses | 0 | 21,000 | 21,000 | 21,000 |
| Pretax income | 107,000 | 218,000 | 375,000 | 562,000 |
| Income tax | 24,000 | 24,000 | 60,000 | 115,000 |
| Net income | 83,000 | 194,000 | 315,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,306,000 | 2,417,000 | 2,539,000 | 2,464,000 |
| Total capital | 2,490,000 | 2,572,000 | 2,701,000 | 2,621,000 |
| Risk-weighted assets | 14,709,000 | 11,573,000 | 12,197,000 | 11,764,000 |