Call reports 2010
21ST CENTURY BANK — 2010
What 21ST CENTURY 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 | 375,716,000 | 377,231,000 | 362,901,000 | 362,241,000 |
| Total loans | 310,711,000 | 309,229,000 | 295,084,000 | 293,870,000 |
| Allowance for loan losses | 4,591,000 | 4,120,000 | 3,849,000 | 3,955,000 |
| Securities available for sale | 28,060,000 | 30,887,000 | 29,696,000 | 32,372,000 |
| Securities held to maturity | 429,000 | 429,000 | 336,000 | 815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,509,000 | 303,337,000 | 290,037,000 | 291,337,000 |
| Interest-bearing deposits | 273,087,000 | 273,236,000 | 256,826,000 | 254,044,000 |
| Noninterest-bearing deposits | 29,422,000 | 30,101,000 | 33,211,000 | 37,293,000 |
| Equity capital | 45,115,000 | 46,034,000 | 44,972,000 | 44,941,000 |
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 | 4,739,000 | 9,417,000 | 13,930,000 | 18,287,000 |
| Interest expense | 1,016,000 | 1,932,000 | 2,810,000 | 3,620,000 |
| Net interest income | 3,723,000 | 7,485,000 | 11,120,000 | 14,667,000 |
| Noninterest income | 227,000 | 98,000 | -760,000 | -478,000 |
| Noninterest expense | 1,890,000 | 3,860,000 | 5,830,000 | 7,786,000 |
| Provision for loan losses | 1,725,000 | 2,625,000 | 3,375,000 | 5,127,000 |
| Pretax income | 335,000 | 1,098,000 | 1,662,000 | 1,783,000 |
| Income tax | 127,000 | 42,000 | 260,000 | 302,000 |
| Net income | 208,000 | 1,056,000 | 1,402,000 | 1,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,697,000 | 45,545,000 | 44,891,000 | 44,970,000 |
| Total capital | 48,764,000 | 49,564,000 | 48,714,000 | 48,733,000 |
| Risk-weighted assets | 324,827,000 | 320,988,000 | 305,783,000 | 300,826,000 |
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