Call reports 2010
EQUITABLE BANK, S.S.B., THE — 2010
What EQUITABLE BANK, S.S.B., THE 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 | 486,072,000 | 471,352,000 | 475,575,000 | 458,034,000 |
| Total loans | 409,539,000 | 390,653,000 | 394,710,000 | 366,935,000 |
| Allowance for loan losses | 5,863,000 | 3,741,000 | 4,342,000 | 4,717,000 |
| Securities available for sale | 29,066,000 | 26,048,000 | 30,298,000 | 28,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,831,000 | 415,869,000 | 427,396,000 | 417,707,000 |
| Interest-bearing deposits | 406,619,000 | 401,005,000 | 407,116,000 | 399,014,000 |
| Noninterest-bearing deposits | 13,212,000 | 14,864,000 | 20,280,000 | 18,693,000 |
| Equity capital | 41,025,000 | 41,118,000 | 37,891,000 | 36,734,000 |
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 | 5,514,000 | 10,895,000 | 15,947,000 | 20,834,000 |
| Interest expense | 1,632,000 | 3,116,000 | 4,489,000 | 5,741,000 |
| Net interest income | 3,882,000 | 7,779,000 | 11,458,000 | 15,093,000 |
| Noninterest income | 569,000 | 1,897,000 | 57,000 | 938,000 |
| Noninterest expense | 4,041,000 | 8,741,000 | 13,153,000 | 17,500,000 |
| Provision for loan losses | 246,000 | 581,000 | 3,565,000 | 4,246,000 |
| Pretax income | 307,000 | 702,000 | -4,653,000 | -5,165,000 |
| Income tax | 86,000 | 178,000 | -1,660,000 | -1,853,000 |
| Net income | 221,000 | 524,000 | -2,993,000 | -3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,321,000 | 40,914,000 | 37,634,000 | 37,623,000 |
| Total capital | 44,699,000 | 44,655,000 | 41,738,000 | 41,559,000 |
| Risk-weighted assets | 348,781,000 | 333,536,000 | 328,083,000 | 314,119,000 |