Call reports 2010
SAVOY BANK — 2010
What SAVOY 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 | 67,504,000 | 65,219,000 | 73,783,000 | 78,723,000 |
| Total loans | 46,353,000 | 50,253,000 | 59,851,000 | 62,344,000 |
| Allowance for loan losses | 1,333,000 | 1,842,000 | 1,879,000 | 2,120,000 |
| Securities available for sale | 5,229,000 | 4,806,000 | 4,308,000 | 4,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,394,000 | 55,152,000 | 63,805,000 | 67,982,000 |
| Interest-bearing deposits | 49,644,000 | 48,798,000 | 56,089,000 | 58,883,000 |
| Noninterest-bearing deposits | 6,750,000 | 6,354,000 | 7,716,000 | 9,099,000 |
| Equity capital | 10,398,000 | 9,300,000 | 8,950,000 | 9,488,000 |
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 | 852,000 | 1,659,000 | 2,622,000 | 3,740,000 |
| Interest expense | 241,000 | 446,000 | 654,000 | 886,000 |
| Net interest income | 611,000 | 1,213,000 | 1,968,000 | 2,854,000 |
| Noninterest income | 38,000 | 48,000 | 61,000 | 77,000 |
| Noninterest expense | 985,000 | 2,033,000 | 3,077,000 | 4,266,000 |
| Provision for loan losses | 2,000 | 699,000 | 736,000 | 974,000 |
| Pretax income | -338,000 | -1,471,000 | -1,784,000 | -2,309,000 |
| Income tax | 2,000 | 7,000 | 12,000 | 17,000 |
| Net income | -340,000 | -1,478,000 | -1,796,000 | -2,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,196,000 | 9,060,000 | 8,742,000 | 9,324,000 |
| Total capital | 10,803,000 | 9,731,000 | 9,530,000 | 10,146,000 |
| Risk-weighted assets | 49,729,000 | 52,453,000 | 61,964,000 | 64,479,000 |
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