Call reports 2010
MEMORIAL CITY BANK — 2010
What MEMORIAL CITY BANK 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 | 145,075,000 | 143,139,000 | 158,808,000 | 162,752,000 |
| Total loans | 106,334,000 | 112,027,000 | 114,392,000 | 118,633,000 |
| Allowance for loan losses | 1,145,000 | 1,300,000 | 1,300,000 | 1,250,000 |
| Securities available for sale | 20,053,000 | 0 | 9,902,000 | 14,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,289,000 | 121,984,000 | 127,546,000 | 143,098,000 |
| Interest-bearing deposits | 102,307,000 | 98,723,000 | 101,698,000 | 112,321,000 |
| Noninterest-bearing deposits | 21,982,000 | 23,261,000 | 25,848,000 | 30,777,000 |
| Equity capital | 18,825,000 | 19,029,000 | 19,178,000 | 19,371,000 |
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 | 1,658,000 | 3,341,000 | 5,057,000 | 6,983,000 |
| Interest expense | 373,000 | 724,000 | 1,050,000 | 1,379,000 |
| Net interest income | 1,285,000 | 2,617,000 | 4,007,000 | 5,604,000 |
| Noninterest income | 13,000 | 27,000 | 44,000 | 65,000 |
| Noninterest expense | 1,122,000 | 2,335,000 | 3,577,000 | 4,832,000 |
| Provision for loan losses | 85,000 | 240,000 | 240,000 | 315,000 |
| Pretax income | 91,000 | 286,000 | 450,000 | 738,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 91,000 | 286,000 | 450,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,825,000 | 19,029,000 | 19,194,000 | 19,538,000 |
| Total capital | 19,970,000 | 20,329,000 | 20,494,000 | 20,788,000 |
| Risk-weighted assets | 119,012,000 | 123,365,000 | 129,808,000 | 133,751,000 |