Call reports 2010
REUNION BANK OF FLORIDA — 2010
What REUNION BANK OF FLORIDA 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 | 110,741,000 | 114,117,000 | 116,741,000 | 125,036,000 |
| Total loans | 61,149,000 | 66,104,000 | 73,611,000 | 85,749,000 |
| Allowance for loan losses | 761,000 | 813,000 | 956,000 | 1,074,000 |
| Securities available for sale | 23,540,000 | 32,934,000 | 29,525,000 | 27,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,134,000 | 98,383,000 | 101,256,000 | 109,806,000 |
| Interest-bearing deposits | 79,676,000 | 83,349,000 | 86,819,000 | 93,286,000 |
| Noninterest-bearing deposits | 15,458,000 | 15,034,000 | 14,438,000 | 16,520,000 |
| Equity capital | 15,516,000 | 15,634,000 | 15,355,000 | 15,163,000 |
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 | 1,063,000 | 2,231,000 | 3,498,000 | 4,909,000 |
| Interest expense | 359,000 | 732,000 | 1,092,000 | 1,471,000 |
| Net interest income | 704,000 | 1,499,000 | 2,406,000 | 3,438,000 |
| Noninterest income | 32,000 | 64,000 | 96,000 | 137,000 |
| Noninterest expense | 1,025,000 | 2,078,000 | 3,107,000 | 4,165,000 |
| Provision for loan losses | 112,000 | 164,000 | 307,000 | 425,000 |
| Pretax income | -355,000 | -598,000 | -564,000 | -610,000 |
| Income tax | -125,000 | -215,000 | -205,000 | -185,000 |
| Net income | -230,000 | -383,000 | -359,000 | -425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,636,000 | 13,569,000 | 13,433,000 | 13,328,000 |
| Total capital | 14,397,000 | 14,382,000 | 14,389,000 | 14,402,000 |
| Risk-weighted assets | 78,539,000 | 85,345,000 | 92,352,000 | 103,077,000 |