Call reports 2011
21ST CENTURY BANK — 2011
What 21ST CENTURY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 361,488,000 | 358,846,000 | 367,005,000 | 362,073,000 |
| Total loans | 290,326,000 | 287,326,000 | 284,601,000 | 285,450,000 |
| Allowance for loan losses | 3,793,000 | 3,384,000 | 4,116,000 | 4,469,000 |
| Securities available for sale | 32,952,000 | 35,332,000 | 42,903,000 | 43,621,000 |
| Securities held to maturity | 797,000 | 797,000 | 709,000 | 670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,639,000 | 308,188,000 | 315,770,000 | 313,093,000 |
| Interest-bearing deposits | 251,083,000 | 265,968,000 | 267,390,000 | 263,449,000 |
| Noninterest-bearing deposits | 39,556,000 | 42,220,000 | 48,380,000 | 49,644,000 |
| Equity capital | 45,188,000 | 45,761,000 | 46,006,000 | 44,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,158,000 | 8,283,000 | 12,368,000 | 16,314,000 |
| Interest expense | 701,000 | 1,358,000 | 1,942,000 | 2,472,000 |
| Net interest income | 3,457,000 | 6,925,000 | 10,426,000 | 13,842,000 |
| Noninterest income | 29,000 | -267,000 | -305,000 | -64,000 |
| Noninterest expense | 1,843,000 | 3,744,000 | 5,684,000 | 7,538,000 |
| Provision for loan losses | 1,273,000 | 1,798,000 | 3,003,000 | 4,308,000 |
| Pretax income | 370,000 | 1,116,000 | 1,434,000 | 2,256,000 |
| Income tax | 143,000 | 439,000 | 580,000 | 907,000 |
| Net income | 227,000 | 677,000 | 854,000 | 1,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,197,000 | 45,647,000 | 45,825,000 | 44,319,000 |
| Total capital | 48,878,000 | 49,031,000 | 49,427,000 | 47,889,000 |
| Risk-weighted assets | 294,361,000 | 290,177,000 | 287,620,000 | 286,151,000 |