Call reports 2010
CARVER STATE BANK — 2010
What CARVER STATE 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 | 41,481,000 | 41,730,000 | 44,157,000 | 45,275,000 |
| Total loans | 28,374,000 | 27,756,000 | 27,863,000 | 27,099,000 |
| Allowance for loan losses | 328,000 | 259,000 | 284,000 | 241,000 |
| Securities available for sale | 4,545,000 | 4,052,000 | 4,039,000 | 4,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,940,000 | 35,176,000 | 37,440,000 | 38,490,000 |
| Interest-bearing deposits | 27,853,000 | 28,000,000 | 27,230,000 | 26,742,000 |
| Noninterest-bearing deposits | 7,087,000 | 7,176,000 | 10,210,000 | 11,748,000 |
| Equity capital | 2,988,000 | 3,025,000 | 3,144,000 | 3,153,000 |
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 | 615,000 | 1,245,000 | 1,889,000 | 2,496,000 |
| Interest expense | 182,000 | 360,000 | 525,000 | 671,000 |
| Net interest income | 433,000 | 885,000 | 1,364,000 | 1,825,000 |
| Noninterest income | 124,000 | 252,000 | 672,000 | 1,031,000 |
| Noninterest expense | 540,000 | 1,025,000 | 1,692,000 | 2,277,000 |
| Provision for loan losses | 0 | 65,000 | 125,000 | 300,000 |
| Pretax income | 17,000 | 47,000 | 219,000 | 279,000 |
| Income tax | 1,000 | 0 | 44,000 | 77,000 |
| Net income | 16,000 | 47,000 | 175,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,958,000 | 2,989,000 | 3,117,000 | 3,153,000 |
| Total capital | 3,286,000 | 3,248,000 | 3,401,000 | 3,394,000 |
| Risk-weighted assets | 29,103,000 | 29,544,000 | 30,342,000 | 28,878,000 |
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