Call reports 2010
PRESENCE BANK — 2010
What PRESENCE 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 | 222,241,000 | 223,368,000 | 210,378,000 | 208,268,000 |
| Total loans | 165,097,000 | 162,116,000 | 157,334,000 | 153,190,000 |
| Allowance for loan losses | 1,244,000 | 1,241,000 | 1,061,000 | 1,459,000 |
| Securities available for sale | 36,968,000 | 39,578,000 | 33,282,000 | 31,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,488,000 | 174,351,000 | 163,258,000 | 163,578,000 |
| Interest-bearing deposits | 168,788,000 | 169,243,000 | 159,327,000 | 158,720,000 |
| Noninterest-bearing deposits | 4,700,000 | 5,108,000 | 3,931,000 | 4,858,000 |
| Equity capital | 15,974,000 | 16,041,000 | 16,122,000 | 14,552,000 |
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 | 2,602,000 | 5,132,000 | 7,620,000 | 9,853,000 |
| Interest expense | 1,540,000 | 3,068,000 | 4,565,000 | 6,008,000 |
| Net interest income | 1,062,000 | 2,064,000 | 3,055,000 | 3,845,000 |
| Noninterest income | 97,000 | 180,000 | 281,000 | 386,000 |
| Noninterest expense | 1,080,000 | 2,121,000 | 3,163,000 | 4,167,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 414,000 |
| Pretax income | 58,000 | 102,000 | 152,000 | -320,000 |
| Income tax | 7,000 | 10,000 | 14,000 | 1,103,000 |
| Net income | 51,000 | 92,000 | 138,000 | -1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,736,000 | 13,802,000 | 13,870,000 | 13,524,000 |
| Total capital | 14,982,000 | 15,050,000 | 14,940,000 | 14,985,000 |
| Risk-weighted assets | 140,733,000 | 138,991,000 | 132,885,000 | 130,921,000 |
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