Call reports 2010
FIRST CENTURY BANK, INC. — 2010
What FIRST CENTURY BANK, INC. 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 | 419,117,000 | 415,859,000 | 413,533,000 | 407,332,000 |
| Total loans | 282,083,000 | 270,602,000 | 267,017,000 | 259,641,000 |
| Allowance for loan losses | 4,775,000 | 4,900,000 | 5,575,000 | 5,875,000 |
| Securities available for sale | 68,593,000 | 70,516,000 | 67,250,000 | 73,442,000 |
| Securities held to maturity | 19,155,000 | 19,788,000 | 22,654,000 | 24,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,585,000 | 356,604,000 | 355,258,000 | 352,530,000 |
| Interest-bearing deposits | 306,562,000 | 305,222,000 | 300,185,000 | 305,285,000 |
| Noninterest-bearing deposits | 52,023,000 | 51,382,000 | 55,073,000 | 47,246,000 |
| Equity capital | 38,405,000 | 39,137,000 | 39,188,000 | 38,597,000 |
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 | 4,425,000 | 8,822,000 | 13,117,000 | 17,258,000 |
| Interest expense | 920,000 | 1,778,000 | 2,570,000 | 3,294,000 |
| Net interest income | 3,505,000 | 7,044,000 | 10,547,000 | 13,964,000 |
| Noninterest income | 1,198,000 | 2,450,000 | 3,782,000 | 5,285,000 |
| Noninterest expense | 3,590,000 | 7,037,000 | 10,433,000 | 14,149,000 |
| Provision for loan losses | 492,000 | 737,000 | 1,543,000 | 1,936,000 |
| Pretax income | 668,000 | 1,767,000 | 2,400,000 | 3,211,000 |
| Income tax | 235,000 | 585,000 | 749,000 | 992,000 |
| Net income | 433,000 | 1,182,000 | 1,651,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,719,000 | 36,207,000 | 36,366,000 | 36,574,000 |
| Total capital | 39,445,000 | 39,794,000 | 39,931,000 | 40,029,000 |
| Risk-weighted assets | 297,055,000 | 285,614,000 | 283,188,000 | 273,960,000 |