Call reports 2010
NEW CITY BANK — 2010
What NEW CITY 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 | 101,877,000 | 97,616,000 | 97,680,000 | 91,674,000 |
| Total loans | 65,847,000 | 63,069,000 | 60,593,000 | 58,062,000 |
| Allowance for loan losses | 1,911,000 | 1,971,000 | 1,519,000 | 2,262,000 |
| Securities available for sale | 9,565,000 | 9,486,000 | 8,629,000 | 9,048,000 |
| Securities held to maturity | 17,307,000 | 17,164,000 | 17,704,000 | 17,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,342,000 | 87,883,000 | 88,859,000 | 84,002,000 |
| Interest-bearing deposits | 88,857,000 | 84,514,000 | 84,298,000 | 80,918,000 |
| Noninterest-bearing deposits | 3,484,000 | 3,370,000 | 4,561,000 | 3,084,000 |
| Equity capital | 9,174,000 | 9,349,000 | 8,282,000 | 7,164,000 |
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 | 1,468,000 | 2,873,000 | 4,233,000 | 5,492,000 |
| Interest expense | 458,000 | 874,000 | 1,255,000 | 1,541,000 |
| Net interest income | 1,010,000 | 1,999,000 | 2,978,000 | 3,951,000 |
| Noninterest income | 30,000 | -8,000 | -332,000 | -399,000 |
| Noninterest expense | 555,000 | 1,129,000 | 1,735,000 | 2,532,000 |
| Provision for loan losses | 220,000 | 545,000 | 1,752,000 | 3,715,000 |
| Pretax income | 265,000 | 357,000 | -801,000 | -2,655,000 |
| Income tax | 2,000 | 3,000 | 0 | 0 |
| Net income | 263,000 | 354,000 | -801,000 | -2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,305,000 | 9,395,000 | 8,240,000 | 7,386,000 |
| Total capital | 10,192,000 | 10,258,000 | 9,102,000 | 8,203,000 |
| Risk-weighted assets | 70,080,000 | 67,969,000 | 68,319,000 | 63,944,000 |
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