Call reports 2010
FINANCE FACTORS, LIMITED — 2010
What FINANCE FACTORS, LIMITED 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 | 634,026,000 | 620,253,000 | 601,650,000 | 572,715,000 |
| Total loans | 407,282,000 | 384,914,000 | 350,941,000 | 319,435,000 |
| Allowance for loan losses | 11,530,000 | 11,281,000 | 12,500,000 | 11,673,000 |
| Securities available for sale | 128,231,000 | 94,081,000 | 42,315,000 | 81,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,554,000 | 508,278,000 | 495,068,000 | 486,467,000 |
| Interest-bearing deposits | 508,237,000 | 507,856,000 | 494,735,000 | 486,086,000 |
| Noninterest-bearing deposits | 317,000 | 422,000 | 333,000 | 381,000 |
| Equity capital | 62,662,000 | 60,308,000 | 54,576,000 | 53,374,000 |
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 | 7,360,000 | 14,387,000 | 20,578,000 | 26,134,000 |
| Interest expense | 2,995,000 | 5,832,000 | 8,379,000 | 11,055,000 |
| Net interest income | 4,365,000 | 8,555,000 | 12,199,000 | 15,079,000 |
| Noninterest income | -77,000 | -1,604,000 | -1,930,000 | -3,473,000 |
| Noninterest expense | 3,648,000 | 7,547,000 | 11,517,000 | 15,441,000 |
| Provision for loan losses | 4,200,000 | 8,117,000 | 15,891,000 | 15,891,000 |
| Pretax income | -3,546,000 | -6,834,000 | -13,720,000 | -16,301,000 |
| Income tax | -1,598,000 | -3,126,000 | -5,239,000 | -6,848,000 |
| Net income | -1,948,000 | -3,708,000 | -8,481,000 | -9,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,440,000 | 58,410,000 | 53,865,000 | 42,177,000 |
| Total capital | 66,416,000 | 64,089,000 | 59,156,000 | 46,920,000 |
| Risk-weighted assets | 472,454,000 | 448,720,000 | 416,032,000 | 372,510,000 |
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