Call reports 2010
COMMUNITY BANK, DESTIN — 2010
What COMMUNITY BANK, DESTIN 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 | 63,151,000 | 67,158,000 | 73,923,000 | 77,163,000 |
| Total loans | 37,635,000 | 39,974,000 | 49,092,000 | 49,969,000 |
| Allowance for loan losses | 559,000 | 615,000 | 579,000 | 621,000 |
| Securities available for sale | 3,028,000 | 4,575,000 | 4,481,000 | 9,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,538,000 | 59,217,000 | 65,366,000 | 68,176,000 |
| Interest-bearing deposits | 48,532,000 | 51,526,000 | 57,886,000 | 60,076,000 |
| Noninterest-bearing deposits | 7,006,000 | 7,691,000 | 7,480,000 | 8,100,000 |
| Equity capital | 7,298,000 | 7,564,000 | 8,030,000 | 8,543,000 |
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 | 549,000 | 1,154,000 | 1,847,000 | 2,624,000 |
| Interest expense | 200,000 | 437,000 | 690,000 | 953,000 |
| Net interest income | 349,000 | 717,000 | 1,157,000 | 1,671,000 |
| Noninterest income | 100,000 | 135,000 | 166,000 | 197,000 |
| Noninterest expense | 908,000 | 1,564,000 | 2,265,000 | 2,999,000 |
| Provision for loan losses | 175,000 | 207,000 | 223,000 | 265,000 |
| Pretax income | -634,000 | -919,000 | -1,165,000 | -1,396,000 |
| Income tax | -230,000 | -333,000 | -419,000 | -500,000 |
| Net income | -404,000 | -586,000 | -746,000 | -896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,010,000 | 5,165,000 | 5,543,000 | 6,026,000 |
| Total capital | 5,530,000 | 5,722,000 | 6,122,000 | 6,647,000 |
| Risk-weighted assets | 41,538,000 | 44,382,000 | 52,977,000 | 52,788,000 |