Call reports 2010
BANK OF LUMBER CITY — 2010
What BANK OF LUMBER CITY 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 | 20,021,000 | 20,477,000 | 21,057,000 | 20,903,000 |
| Total loans | 13,088,000 | 13,211,000 | 13,592,000 | 13,075,000 |
| Allowance for loan losses | 319,000 | 335,000 | 334,000 | 195,000 |
| Securities available for sale | 2,697,000 | 4,096,000 | 4,168,000 | 4,016,000 |
| Securities held to maturity | 816,000 | 765,000 | 714,000 | 561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,711,000 | 16,141,000 | 16,039,000 | 16,691,000 |
| Interest-bearing deposits | 11,930,000 | 12,187,000 | 12,380,000 | 12,183,000 |
| Noninterest-bearing deposits | 3,781,000 | 3,954,000 | 3,659,000 | 4,508,000 |
| Equity capital | 4,085,000 | 4,076,000 | 4,133,000 | 3,936,000 |
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 | 285,000 | 553,000 | 855,000 | 1,147,000 |
| Interest expense | 53,000 | 105,000 | 158,000 | 208,000 |
| Net interest income | 232,000 | 448,000 | 697,000 | 939,000 |
| Noninterest income | 66,000 | 141,000 | 206,000 | 279,000 |
| Noninterest expense | 305,000 | 577,000 | 870,000 | 1,168,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | -22,000 | -18,000 | -12,000 | -110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -22,000 | -18,000 | -12,000 | -110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,050,000 | 4,053,000 | 4,061,000 | 3,962,000 |
| Total capital | 4,274,000 | 4,284,000 | 4,298,000 | 4,157,000 |
| Risk-weighted assets | 17,810,000 | 18,357,000 | 18,875,000 | 18,979,000 |