Call reports 2010
NECEDAH BANK, THE — 2010
What NECEDAH 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 | 40,909,000 | 38,748,000 | 38,221,000 | 39,894,000 |
| Total loans | 24,062,000 | 23,293,000 | 22,501,000 | 22,054,000 |
| Allowance for loan losses | 430,000 | 497,000 | 449,000 | 281,000 |
| Securities available for sale | 9,790,000 | 10,703,000 | 9,904,000 | 10,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,605,000 | 32,454,000 | 31,816,000 | 33,572,000 |
| Interest-bearing deposits | 24,286,000 | 23,075,000 | 24,299,000 | 25,707,000 |
| Noninterest-bearing deposits | 8,319,000 | 9,379,000 | 7,517,000 | 7,865,000 |
| Equity capital | 4,211,000 | 4,218,000 | 4,329,000 | 4,252,000 |
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 | 421,000 | 838,000 | 1,256,000 | 1,667,000 |
| Interest expense | 151,000 | 270,000 | 365,000 | 455,000 |
| Net interest income | 270,000 | 568,000 | 891,000 | 1,212,000 |
| Noninterest income | 40,000 | 74,000 | 112,000 | 158,000 |
| Noninterest expense | 232,000 | 497,000 | 834,000 | 1,120,000 |
| Provision for loan losses | 45,000 | 112,000 | 157,000 | 157,000 |
| Pretax income | 36,000 | 36,000 | 67,000 | 148,000 |
| Income tax | 14,000 | 13,000 | 8,000 | 33,000 |
| Net income | 22,000 | 23,000 | 59,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,876,000 | 3,884,000 | 3,928,000 | 3,990,000 |
| Total capital | 4,227,000 | 4,237,000 | 4,251,000 | 4,271,000 |
| Risk-weighted assets | 28,011,000 | 28,084,000 | 25,729,000 | 25,712,000 |