Call reports 2010
FRIEND BANK — 2010
What FRIEND 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 | 76,592,000 | 76,422,000 | 78,607,000 | 77,722,000 |
| Total loans | 49,815,000 | 48,876,000 | 49,523,000 | 48,691,000 |
| Allowance for loan losses | 767,000 | 763,000 | 866,000 | 872,000 |
| Securities available for sale | 14,406,000 | 11,755,000 | 11,525,000 | 9,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,957,000 | 62,954,000 | 66,036,000 | 65,936,000 |
| Interest-bearing deposits | 55,099,000 | 56,072,000 | 59,079,000 | 58,848,000 |
| Noninterest-bearing deposits | 7,858,000 | 6,882,000 | 6,957,000 | 7,088,000 |
| Equity capital | 7,186,000 | 7,312,000 | 7,453,000 | 7,177,000 |
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 | 973,000 | 1,911,000 | 2,851,000 | 3,794,000 |
| Interest expense | 263,000 | 528,000 | 786,000 | 1,001,000 |
| Net interest income | 710,000 | 1,383,000 | 2,065,000 | 2,793,000 |
| Noninterest income | 114,000 | 264,000 | 409,000 | 583,000 |
| Noninterest expense | 574,000 | 1,179,000 | 1,784,000 | 2,488,000 |
| Provision for loan losses | 133,000 | 233,000 | 333,000 | 583,000 |
| Pretax income | 103,000 | 214,000 | 325,000 | 258,000 |
| Income tax | 5,000 | 13,000 | 20,000 | 9,000 |
| Net income | 98,000 | 201,000 | 305,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,247,000 | 7,260,000 | 7,291,000 | 7,144,000 |
| Total capital | 7,864,000 | 7,838,000 | 7,869,000 | 7,696,000 |
| Risk-weighted assets | 49,229,000 | 46,083,000 | 45,983,000 | 43,879,000 |