Call reports 2010
ACB BANK — 2010
What ACB 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 | 65,616,000 | 67,100,000 | 66,016,000 | 68,368,000 |
| Total loans | 43,970,000 | 45,450,000 | 44,702,000 | 45,159,000 |
| Allowance for loan losses | 670,000 | 832,000 | 845,000 | 796,000 |
| Securities available for sale | 15,143,000 | 14,899,000 | 14,382,000 | 16,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,865,000 | 55,175,000 | 56,375,000 | 58,610,000 |
| Interest-bearing deposits | 47,993,000 | 48,127,000 | 49,492,000 | 51,144,000 |
| Noninterest-bearing deposits | 5,872,000 | 7,048,000 | 6,883,000 | 7,467,000 |
| Equity capital | 4,669,000 | 4,823,000 | 5,383,000 | 4,703,000 |
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 | 907,000 | 1,832,000 | 2,755,000 | 3,667,000 |
| Interest expense | 267,000 | 520,000 | 770,000 | 1,020,000 |
| Net interest income | 640,000 | 1,312,000 | 1,985,000 | 2,647,000 |
| Noninterest income | 122,000 | 282,000 | 393,000 | 142,000 |
| Noninterest expense | 442,000 | 907,000 | 1,384,000 | 1,846,000 |
| Provision for loan losses | 248,000 | 424,000 | 455,000 | 912,000 |
| Pretax income | 87,000 | 278,000 | 554,000 | 46,000 |
| Income tax | 13,000 | 13,000 | 0 | 0 |
| Net income | 74,000 | 265,000 | 554,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,408,000 | 4,534,000 | 4,955,000 | 4,678,000 |
| Total capital | 4,976,000 | 5,112,000 | 5,527,000 | 5,254,000 |
| Risk-weighted assets | 45,301,000 | 46,007,000 | 45,521,000 | 45,902,000 |