Call reports 2010
PENDER STATE BANK — 2010
What PENDER STATE 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 | 123,353,000 | 125,339,000 | 129,262,000 | 130,286,000 |
| Total loans | 111,697,000 | 114,427,000 | 118,393,000 | 117,014,000 |
| Allowance for loan losses | 1,319,000 | 1,319,000 | 1,320,000 | 1,320,000 |
| Securities available for sale | 1,468,000 | 1,434,000 | 1,382,000 | 2,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,792,000 | 102,104,000 | 107,034,000 | 110,128,000 |
| Interest-bearing deposits | 88,828,000 | 93,558,000 | 97,588,000 | 93,288,000 |
| Noninterest-bearing deposits | 9,964,000 | 8,546,000 | 9,446,000 | 16,840,000 |
| Equity capital | 17,437,000 | 17,566,000 | 17,900,000 | 17,941,000 |
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 | 1,518,000 | 3,091,000 | 4,726,000 | 6,336,000 |
| Interest expense | 418,000 | 833,000 | 1,256,000 | 1,679,000 |
| Net interest income | 1,100,000 | 2,258,000 | 3,470,000 | 4,657,000 |
| Noninterest income | 46,000 | 97,000 | 405,000 | 449,000 |
| Noninterest expense | 581,000 | 1,161,000 | 1,785,000 | 2,367,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 565,000 | 1,194,000 | 2,090,000 | 2,739,000 |
| Income tax | 19,000 | 38,000 | 57,000 | 76,000 |
| Net income | 546,000 | 1,156,000 | 2,033,000 | 2,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,062,000 | 11,186,000 | 11,522,000 | 11,604,000 |
| Total capital | 12,381,000 | 12,505,000 | 12,842,000 | 12,924,000 |
| Risk-weighted assets | 118,002,000 | 120,523,000 | 122,816,000 | 124,957,000 |
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