Call reports 2010
BANESCO USA — 2010
What BANESCO USA 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 | 267,101,000 | 280,956,000 | 340,584,000 | 402,116,000 |
| Total loans | 158,484,000 | 164,457,000 | 176,441,000 | 201,603,000 |
| Allowance for loan losses | 3,304,000 | 3,488,000 | 3,585,000 | 3,111,000 |
| Securities available for sale | 88,476,000 | 89,158,000 | 120,584,000 | 161,103,000 |
| Securities held to maturity | 1,000,000 | 3,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,989,000 | 232,581,000 | 282,229,000 | 347,938,000 |
| Interest-bearing deposits | 181,137,000 | 191,462,000 | 203,900,000 | 228,745,000 |
| Noninterest-bearing deposits | 34,852,000 | 41,119,000 | 78,329,000 | 119,193,000 |
| Equity capital | 28,648,000 | 30,038,000 | 39,224,000 | 35,256,000 |
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 | 3,106,000 | 6,285,000 | 10,132,000 | 13,895,000 |
| Interest expense | 877,000 | 1,711,000 | 2,659,000 | 3,366,000 |
| Net interest income | 2,229,000 | 4,574,000 | 7,473,000 | 10,529,000 |
| Noninterest income | 197,000 | 288,000 | 276,000 | 495,000 |
| Noninterest expense | 2,189,000 | 4,336,000 | 6,972,000 | 9,613,000 |
| Provision for loan losses | 185,000 | 369,000 | 466,000 | 650,000 |
| Pretax income | 301,000 | 515,000 | 1,451,000 | 2,048,000 |
| Income tax | 0 | 1,000 | 13,000 | 9,000 |
| Net income | 301,000 | 514,000 | 1,438,000 | 2,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,952,000 | 29,166,000 | 38,637,000 | 39,239,000 |
| Total capital | 31,124,000 | 31,373,000 | 41,088,000 | 42,099,000 |
| Risk-weighted assets | 172,502,000 | 175,078,000 | 194,869,000 | 228,541,000 |
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