Call reports 2010
FIRST PERSONAL BANK — 2010
What FIRST PERSONAL 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 | 175,283,000 | 178,660,000 | 179,800,000 | 180,564,000 |
| Total loans | 130,954,000 | 128,538,000 | 125,302,000 | 121,548,000 |
| Allowance for loan losses | 3,457,000 | 2,939,000 | 3,086,000 | 3,317,000 |
| Securities available for sale | 8,971,000 | 8,849,000 | 8,506,000 | 10,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,007,000 | 156,270,000 | 157,499,000 | 159,096,000 |
| Interest-bearing deposits | 143,726,000 | 145,953,000 | 146,456,000 | 148,285,000 |
| Noninterest-bearing deposits | 9,281,000 | 10,317,000 | 11,043,000 | 10,811,000 |
| Equity capital | 12,379,000 | 12,315,000 | 11,874,000 | 11,745,000 |
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 | 2,057,000 | 4,045,000 | 6,058,000 | 7,987,000 |
| Interest expense | 635,000 | 1,248,000 | 1,856,000 | 2,426,000 |
| Net interest income | 1,422,000 | 2,797,000 | 4,202,000 | 5,561,000 |
| Noninterest income | 110,000 | 184,000 | 312,000 | 398,000 |
| Noninterest expense | 1,393,000 | 2,689,000 | 4,021,000 | 5,318,000 |
| Provision for loan losses | 743,000 | 1,056,000 | 1,982,000 | 2,316,000 |
| Pretax income | -604,000 | -764,000 | -1,489,000 | -1,675,000 |
| Income tax | -247,000 | -323,000 | -614,000 | -697,000 |
| Net income | -357,000 | -441,000 | -875,000 | -978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,456,000 | 10,411,000 | 9,513,000 | 9,314,000 |
| Total capital | 11,993,000 | 11,911,000 | 10,993,000 | 10,746,000 |
| Risk-weighted assets | 121,023,000 | 118,558,000 | 116,800,000 | 112,650,000 |
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