Call reports 2010
BREDA SAVINGS BANK — 2010
What BREDA SAVINGS 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 | 32,937,000 | 33,439,000 | 34,988,000 | 36,837,000 |
| Total loans | 15,980,000 | 16,189,000 | 16,320,000 | 17,355,000 |
| Allowance for loan losses | 396,000 | 397,000 | 398,000 | 399,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,442,000 | 15,959,000 | 17,076,000 | 17,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,278,000 | 23,090,000 | 24,511,000 | 25,696,000 |
| Interest-bearing deposits | 17,116,000 | 17,703,000 | 18,672,000 | 18,157,000 |
| Noninterest-bearing deposits | 6,162,000 | 5,387,000 | 5,839,000 | 7,539,000 |
| Equity capital | 6,282,000 | 6,363,000 | 6,481,000 | 6,249,000 |
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 | 326,000 | 656,000 | 1,005,000 | 1,360,000 |
| Interest expense | 56,000 | 112,000 | 167,000 | 221,000 |
| Net interest income | 270,000 | 544,000 | 838,000 | 1,139,000 |
| Noninterest income | 31,000 | 67,000 | 99,000 | 182,000 |
| Noninterest expense | 198,000 | 419,000 | 622,000 | 1,089,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | 192,000 | 315,000 | 232,000 |
| Income tax | 15,000 | 23,000 | 28,000 | 59,000 |
| Net income | 88,000 | 169,000 | 287,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,282,000 | 6,363,000 | 6,481,000 | 6,249,000 |
| Total capital | 6,504,000 | 6,593,000 | 6,718,000 | 6,500,000 |
| Risk-weighted assets | 17,608,000 | 18,202,000 | 18,764,000 | 19,901,000 |