Call reports 2010
PREFERRED BANK — 2010
What PREFERRED 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 | 52,116,000 | 51,733,000 | 51,578,000 | 51,852,000 |
| Total loans | 35,076,000 | 34,415,000 | 33,943,000 | 33,252,000 |
| Allowance for loan losses | 699,000 | 719,000 | 515,000 | 547,000 |
| Securities available for sale | 9,622,000 | 9,955,000 | 9,893,000 | 10,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,598,000 | 47,171,000 | 46,970,000 | 47,221,000 |
| Interest-bearing deposits | 45,133,000 | 44,867,000 | 44,490,000 | 44,724,000 |
| Noninterest-bearing deposits | 2,465,000 | 2,304,000 | 2,480,000 | 2,497,000 |
| Equity capital | 4,270,000 | 4,307,000 | 4,375,000 | 4,397,000 |
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 | 702,000 | 1,372,000 | 2,046,000 | 2,713,000 |
| Interest expense | 336,000 | 650,000 | 930,000 | 1,189,000 |
| Net interest income | 366,000 | 722,000 | 1,116,000 | 1,524,000 |
| Noninterest income | 33,000 | 60,000 | 128,000 | 165,000 |
| Noninterest expense | 309,000 | 666,000 | 1,047,000 | 1,397,000 |
| Provision for loan losses | 29,000 | 59,000 | 90,000 | 120,000 |
| Pretax income | 61,000 | 57,000 | 107,000 | 172,000 |
| Income tax | -2,000 | -4,000 | -6,000 | -8,000 |
| Net income | 63,000 | 61,000 | 113,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,222,000 | 4,220,000 | 4,273,000 | 4,344,000 |
| Total capital | 4,688,000 | 4,669,000 | 4,715,000 | 4,787,000 |
| Risk-weighted assets | 37,016,000 | 35,623,000 | 35,775,000 | 37,437,000 |
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