Call reports 2010
BANK OF THE LOWCOUNTRY — 2010
What BANK OF THE LOWCOUNTRY 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 | 164,694,000 | 161,797,000 | 160,768,000 | 155,819,000 |
| Total loans | 115,464,000 | 111,873,000 | 108,184,000 | 105,298,000 |
| Allowance for loan losses | 2,070,000 | 2,156,000 | 2,059,000 | 2,019,000 |
| Securities available for sale | 21,905,000 | 21,488,000 | 24,130,000 | 26,955,000 |
| Securities held to maturity | 565,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,051,000 | 143,297,000 | 141,966,000 | 137,600,000 |
| Interest-bearing deposits | 132,456,000 | 128,619,000 | 128,201,000 | 123,506,000 |
| Noninterest-bearing deposits | 13,595,000 | 14,678,000 | 13,765,000 | 14,094,000 |
| Equity capital | 17,748,000 | 17,575,000 | 17,837,000 | 17,614,000 |
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 | 2,054,000 | 3,957,000 | 5,792,000 | 7,631,000 |
| Interest expense | 606,000 | 1,164,000 | 1,686,000 | 2,149,000 |
| Net interest income | 1,448,000 | 2,793,000 | 4,106,000 | 5,482,000 |
| Noninterest income | 178,000 | 348,000 | 522,000 | 718,000 |
| Noninterest expense | 981,000 | 1,983,000 | 3,049,000 | 4,084,000 |
| Provision for loan losses | 365,000 | 1,211,000 | 1,626,000 | 1,866,000 |
| Pretax income | 280,000 | -53,000 | 215,000 | 512,000 |
| Income tax | 75,000 | -22,000 | 11,000 | 52,000 |
| Net income | 205,000 | -31,000 | 204,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,424,000 | 17,188,000 | 17,423,000 | 17,678,000 |
| Total capital | 19,000,000 | 18,718,000 | 18,894,000 | 19,135,000 |
| Risk-weighted assets | 125,617,000 | 122,159,000 | 117,112,000 | 116,038,000 |
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