Call reports 2010
INEZ DEPOSIT BANK — 2010
What INEZ DEPOSIT 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 | 114,525,000 | 115,025,000 | 114,521,000 | 115,377,000 |
| Total loans | 52,383,000 | 51,305,000 | 50,395,000 | 49,271,000 |
| Allowance for loan losses | 731,000 | 739,000 | 722,000 | 656,000 |
| Securities available for sale | 45,398,000 | 44,587,000 | 44,712,000 | 45,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,266,000 | 101,537,000 | 100,742,000 | 102,137,000 |
| Interest-bearing deposits | 82,991,000 | 81,280,000 | 80,902,000 | 81,601,000 |
| Noninterest-bearing deposits | 18,275,000 | 20,257,000 | 19,840,000 | 20,537,000 |
| Equity capital | 12,222,000 | 12,640,000 | 12,874,000 | 12,356,000 |
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 | 1,346,000 | 2,626,000 | 3,895,000 | 5,158,000 |
| Interest expense | 472,000 | 948,000 | 1,425,000 | 1,888,000 |
| Net interest income | 874,000 | 1,678,000 | 2,470,000 | 3,270,000 |
| Noninterest income | 225,000 | 461,000 | 693,000 | 903,000 |
| Noninterest expense | 917,000 | 1,788,000 | 2,660,000 | 3,506,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 80,000 |
| Pretax income | 167,000 | 321,000 | 458,000 | 587,000 |
| Income tax | 15,000 | 18,000 | 30,000 | 39,000 |
| Net income | 152,000 | 303,000 | 428,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,399,000 | 11,550,000 | 11,675,000 | 11,796,000 |
| Total capital | 12,082,000 | 12,235,000 | 12,352,000 | 12,452,000 |
| Risk-weighted assets | 54,570,000 | 54,718,000 | 54,115,000 | 54,549,000 |