Call reports 2010
AREA BANK — 2010
What AREA 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 | 51,546,000 | 50,122,000 | 52,247,000 | 52,703,000 |
| Total loans | 25,881,000 | 25,162,000 | 24,900,000 | 25,048,000 |
| Allowance for loan losses | 583,000 | 599,000 | 616,000 | 578,000 |
| Securities available for sale | 20,192,000 | 18,413,000 | 20,202,000 | 21,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,950,000 | 43,545,000 | 45,305,000 | 46,688,000 |
| Interest-bearing deposits | 37,746,000 | 36,743,000 | 38,332,000 | 39,214,000 |
| Noninterest-bearing deposits | 7,204,000 | 6,802,000 | 6,973,000 | 7,474,000 |
| Equity capital | 4,736,000 | 4,703,000 | 5,078,000 | 4,169,000 |
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 | 626,000 | 1,270,000 | 1,883,000 | 2,488,000 |
| Interest expense | 197,000 | 383,000 | 558,000 | 730,000 |
| Net interest income | 429,000 | 887,000 | 1,325,000 | 1,758,000 |
| Noninterest income | 62,000 | 128,000 | 193,000 | 256,000 |
| Noninterest expense | 389,000 | 774,000 | 1,157,000 | 1,538,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 89,000 | 213,000 | 318,000 | 418,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 213,000 | 318,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,161,000 | 4,285,000 | 4,391,000 | 4,491,000 |
| Total capital | 4,535,000 | 4,651,000 | 4,762,000 | 4,871,000 |
| Risk-weighted assets | 29,743,000 | 29,059,000 | 29,441,000 | 30,241,000 |