Call reports 2010
PACESETTER BANK — 2010
What PACESETTER 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 | 107,073,000 | 108,680,000 | 109,883,000 | 108,789,000 |
| Total loans | 72,895,000 | 73,401,000 | 73,083,000 | 74,087,000 |
| Allowance for loan losses | 793,000 | 850,000 | 910,000 | 939,000 |
| Securities available for sale | 4,506,000 | 9,363,000 | 14,291,000 | 14,380,000 |
| Securities held to maturity | 4,439,000 | 4,431,000 | 4,238,000 | 4,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,007,000 | 94,397,000 | 95,734,000 | 94,753,000 |
| Interest-bearing deposits | 64,224,000 | 64,800,000 | 64,696,000 | 80,523,000 |
| Noninterest-bearing deposits | 28,783,000 | 29,597,000 | 31,038,000 | 14,230,000 |
| Equity capital | 13,368,000 | 13,394,000 | 13,443,000 | 13,444,000 |
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 | 1,189,000 | 2,395,000 | 3,613,000 | 4,836,000 |
| Interest expense | 240,000 | 483,000 | 718,000 | 927,000 |
| Net interest income | 949,000 | 1,912,000 | 2,895,000 | 3,909,000 |
| Noninterest income | 262,000 | 539,000 | 833,000 | 1,128,000 |
| Noninterest expense | 1,033,000 | 2,057,000 | 3,084,000 | 4,113,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 270,000 |
| Pretax income | 118,000 | 274,000 | 449,000 | 654,000 |
| Income tax | 0 | 42,000 | 91,000 | 149,000 |
| Net income | 118,000 | 232,000 | 358,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,268,000 | 13,299,000 | 13,343,000 | 13,407,000 |
| Total capital | 14,103,000 | 14,185,000 | 14,284,000 | 14,349,000 |
| Risk-weighted assets | 72,318,000 | 70,103,000 | 72,709,000 | 72,486,000 |
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