Call reports 2010
ANDALUSIA COMMUNITY BANK — 2010
What ANDALUSIA COMMUNITY 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 | 37,463,000 | 42,769,000 | 46,298,000 | 50,113,000 |
| Total loans | 18,029,000 | 19,410,000 | 21,032,000 | 24,529,000 |
| Allowance for loan losses | 177,000 | 182,000 | 188,000 | 191,000 |
| Securities available for sale | 9,332,000 | 11,090,000 | 12,342,000 | 12,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,927,000 | 36,648,000 | 38,957,000 | 43,812,000 |
| Interest-bearing deposits | 27,627,000 | 33,432,000 | 35,804,000 | 39,124,000 |
| Noninterest-bearing deposits | 3,300,000 | 3,216,000 | 3,153,000 | 4,688,000 |
| Equity capital | 5,747,000 | 5,748,000 | 5,934,000 | 5,781,000 |
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 | 467,000 | 941,000 | 1,454,000 | 1,979,000 |
| Interest expense | 122,000 | 247,000 | 390,000 | 547,000 |
| Net interest income | 345,000 | 694,000 | 1,064,000 | 1,432,000 |
| Noninterest income | 73,000 | 150,000 | 240,000 | 355,000 |
| Noninterest expense | 277,000 | 645,000 | 1,016,000 | 1,432,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 126,000 | 171,000 | 246,000 | 298,000 |
| Income tax | 27,000 | 18,000 | 17,000 | 19,000 |
| Net income | 99,000 | 153,000 | 229,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,584,000 | 5,639,000 | 5,715,000 | 5,764,000 |
| Total capital | 5,761,000 | 5,821,000 | 5,903,000 | 5,955,000 |
| Risk-weighted assets | 20,934,000 | 24,116,000 | 24,410,000 | 26,557,000 |
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