Call reports 2010
BANK OF MODESTO — 2010
What BANK OF MODESTO 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 | 39,392,000 | 38,283,000 | 38,831,000 | 38,631,000 |
| Total loans | 20,718,000 | 21,237,000 | 21,057,000 | 21,601,000 |
| Allowance for loan losses | 147,000 | 157,000 | 169,000 | 179,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,519,000 | 12,753,000 | 12,323,000 | 12,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,539,000 | 34,417,000 | 34,897,000 | 34,721,000 |
| Interest-bearing deposits | 30,725,000 | 30,040,000 | 30,508,000 | 30,435,000 |
| Noninterest-bearing deposits | 4,814,000 | 4,377,000 | 4,389,000 | 4,286,000 |
| Equity capital | 3,751,000 | 3,798,000 | 3,852,000 | 3,835,000 |
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 | 408,000 | 811,000 | 1,217,000 | 1,602,000 |
| Interest expense | 91,000 | 174,000 | 252,000 | 322,000 |
| Net interest income | 317,000 | 637,000 | 965,000 | 1,280,000 |
| Noninterest income | 27,000 | 59,000 | 86,000 | 116,000 |
| Noninterest expense | 257,000 | 497,000 | 746,000 | 1,041,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 78,000 | 181,000 | 278,000 | 319,000 |
| Income tax | 8,000 | 44,000 | 86,000 | 94,000 |
| Net income | 70,000 | 137,000 | 192,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,293,000 | 3,358,000 | 3,431,000 | 3,433,000 |
| Total capital | 3,440,000 | 3,515,000 | 3,600,000 | 3,612,000 |
| Risk-weighted assets | 24,586,000 | 24,704,000 | 24,849,000 | 25,217,000 |
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