Call reports 2010
FIRST SECURE COMMUNITY BANK — 2010
What FIRST SECURE COMMUNITY 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 | 101,053,000 | 96,617,000 | 92,645,000 | 90,105,000 |
| Total loans | 78,641,000 | 78,547,000 | 75,451,000 | 73,284,000 |
| Allowance for loan losses | 3,375,000 | 3,933,000 | 3,519,000 | 2,796,000 |
| Securities available for sale | 10,512,000 | 10,986,000 | 11,099,000 | 10,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,145,000 | 82,061,000 | 77,970,000 | 78,333,000 |
| Interest-bearing deposits | 84,296,000 | 80,495,000 | 75,912,000 | 75,934,000 |
| Noninterest-bearing deposits | 1,849,000 | 1,566,000 | 2,058,000 | 2,399,000 |
| Equity capital | 9,600,000 | 9,255,000 | 9,346,000 | 7,424,000 |
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 | 1,188,000 | 2,352,000 | 3,489,000 | 4,529,000 |
| Interest expense | 461,000 | 889,000 | 1,276,000 | 1,606,000 |
| Net interest income | 727,000 | 1,463,000 | 2,213,000 | 2,923,000 |
| Noninterest income | 57,000 | 96,000 | 125,000 | -518,000 |
| Noninterest expense | 904,000 | 1,734,000 | 2,308,000 | 2,285,000 |
| Provision for loan losses | 1,710,000 | 2,340,000 | 2,550,000 | 3,421,000 |
| Pretax income | -1,830,000 | -2,515,000 | -2,520,000 | -3,300,000 |
| Income tax | -715,000 | -989,000 | -995,000 | 0 |
| Net income | -1,115,000 | -1,526,000 | -1,525,000 | -3,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,741,000 | 8,373,000 | 8,431,000 | 6,723,000 |
| Total capital | 9,770,000 | 9,375,000 | 9,410,000 | 7,671,000 |
| Risk-weighted assets | 79,958,000 | 77,239,000 | 75,749,000 | 73,993,000 |