Call reports 2010
HEIGHTS BANK, THE — 2010
What HEIGHTS 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 | 43,553,000 | 42,068,000 | 39,992,000 | 39,241,000 |
| Total loans | 32,415,000 | 32,786,000 | 32,884,000 | 33,917,000 |
| Allowance for loan losses | 704,000 | 704,000 | 704,000 | 704,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,736,000 | 3,732,000 | 3,724,000 | 2,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,291,000 | 32,838,000 | 31,630,000 | 30,974,000 |
| Interest-bearing deposits | 30,199,000 | 28,727,000 | 27,892,000 | 26,843,000 |
| Noninterest-bearing deposits | 4,092,000 | 4,111,000 | 3,738,000 | 4,131,000 |
| Equity capital | 4,184,000 | 4,169,000 | 4,306,000 | 4,210,000 |
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 | 549,000 | 1,099,000 | 1,658,000 | 2,214,000 |
| Interest expense | 182,000 | 343,000 | 488,000 | 602,000 |
| Net interest income | 367,000 | 756,000 | 1,170,000 | 1,612,000 |
| Noninterest income | 35,000 | 72,000 | 114,000 | 156,000 |
| Noninterest expense | 235,000 | 476,000 | 695,000 | 925,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 352,000 | 589,000 | 843,000 |
| Income tax | 9,000 | 9,000 | 9,000 | 9,000 |
| Net income | 158,000 | 343,000 | 580,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,184,000 | 4,169,000 | 4,306,000 | 4,210,000 |
| Total capital | 4,469,000 | 4,454,000 | 4,588,000 | 4,501,000 |
| Risk-weighted assets | 22,396,000 | 22,415,000 | 22,112,000 | 22,882,000 |