Call reports 2010
LEADERS BANK, THE — 2010
What LEADERS BANK, THE 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 | 677,789,000 | 659,246,000 | 636,591,000 | 629,966,000 |
| Total loans | 567,767,000 | 551,363,000 | 528,180,000 | 507,198,000 |
| Allowance for loan losses | 10,309,000 | 10,198,000 | 19,307,000 | 20,390,000 |
| Securities available for sale | 41,196,000 | 34,579,000 | 41,331,000 | 39,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,234,000 | 599,276,000 | 593,333,000 | 588,554,000 |
| Interest-bearing deposits | 541,411,000 | 522,051,000 | 516,919,000 | 498,842,000 |
| Noninterest-bearing deposits | 70,823,000 | 77,225,000 | 76,414,000 | 89,712,000 |
| Equity capital | 56,100,000 | 50,537,000 | 33,247,000 | 31,378,000 |
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 | 7,393,000 | 14,601,000 | 21,250,000 | 27,714,000 |
| Interest expense | 2,523,000 | 4,813,000 | 6,837,000 | 8,703,000 |
| Net interest income | 4,870,000 | 9,788,000 | 14,413,000 | 19,011,000 |
| Noninterest income | 303,000 | -1,370,000 | -2,517,000 | -2,495,000 |
| Noninterest expense | 3,126,000 | 6,120,000 | 9,714,000 | 13,956,000 |
| Provision for loan losses | 1,650,000 | 7,585,000 | 22,867,000 | 24,867,000 |
| Pretax income | 397,000 | -5,033,000 | -20,256,000 | -21,520,000 |
| Income tax | 146,000 | 288,000 | 2,474,000 | 2,474,000 |
| Net income | 251,000 | -5,321,000 | -22,730,000 | -23,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,526,000 | 49,954,000 | 32,543,000 | 31,299,000 |
| Total capital | 70,583,000 | 64,789,000 | 45,387,000 | 43,919,000 |
| Risk-weighted assets | 601,809,000 | 583,923,000 | 535,072,000 | 515,812,000 |