Call reports 2011
STATE BANK OF SAUNEMIN — 2011
What STATE BANK OF SAUNEMIN 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 | 30,220,000 | 29,880,000 | 30,758,000 | 30,769,000 |
| Total loans | 12,862,000 | 13,091,000 | 14,371,000 | 13,553,000 |
| Allowance for loan losses | 195,000 | 201,000 | 207,000 | 197,000 |
| Securities available for sale | 13,313,000 | 13,924,000 | 13,395,000 | 12,528,000 |
| Securities held to maturity | 538,000 | 439,000 | 439,000 | 405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,532,000 | 26,984,000 | 27,416,000 | 27,806,000 |
| Interest-bearing deposits | 19,626,000 | 19,890,000 | 23,772,000 | 23,650,000 |
| Noninterest-bearing deposits | 7,906,000 | 7,094,000 | 3,644,000 | 4,156,000 |
| Equity capital | 2,631,000 | 2,832,000 | 2,909,000 | 2,927,000 |
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 | 287,000 | 576,000 | 880,000 | 1,161,000 |
| Interest expense | 67,000 | 134,000 | 196,000 | 253,000 |
| Net interest income | 220,000 | 442,000 | 684,000 | 908,000 |
| Noninterest income | 16,000 | 33,000 | 58,000 | 76,000 |
| Noninterest expense | 174,000 | 321,000 | 483,000 | 661,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 81,000 | 167,000 | 303,000 | 361,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 81,000 | 167,000 | 303,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,578,000 | 2,603,000 | 2,694,000 | 2,752,000 |
| Total capital | 2,766,000 | 2,801,000 | 2,901,000 | 2,949,000 |
| Risk-weighted assets | 15,056,000 | 15,841,000 | 16,918,000 | 16,142,000 |