Call reports 2010
XENITH BANK — 2010
What XENITH 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 | 211,993,000 | 227,485,000 | 243,811,000 | 251,201,000 |
| Total loans | 104,085,000 | 120,361,000 | 136,658,000 | 153,146,000 |
| Allowance for loan losses | 40,000 | 461,000 | 1,230,000 | 1,766,000 |
| Securities available for sale | 69,538,000 | 65,470,000 | 63,685,000 | 58,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,579,000 | 148,261,000 | 165,912,000 | 175,139,000 |
| Interest-bearing deposits | 117,728,000 | 132,509,000 | 147,329,000 | 152,339,000 |
| Noninterest-bearing deposits | 13,851,000 | 15,752,000 | 18,583,000 | 22,800,000 |
| Equity capital | 53,252,000 | 52,001,000 | 50,803,000 | 48,788,000 |
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 | 2,032,000 | 4,638,000 | 7,552,000 | 10,775,000 |
| Interest expense | 514,000 | 1,023,000 | 1,605,000 | 2,166,000 |
| Net interest income | 1,518,000 | 3,615,000 | 5,947,000 | 8,609,000 |
| Noninterest income | 74,000 | 153,000 | 243,000 | 359,000 |
| Noninterest expense | 3,047,000 | 6,695,000 | 10,040,000 | 13,002,000 |
| Provision for loan losses | 40,000 | 510,000 | 1,250,000 | 1,990,000 |
| Pretax income | -1,396,000 | -3,336,000 | -4,992,000 | -5,916,000 |
| Income tax | -294,000 | -294,000 | 0 | 0 |
| Net income | -1,102,000 | -3,042,000 | -4,992,000 | -5,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,728,000 | 37,231,000 | 35,053,000 | 34,078,000 |
| Total capital | 38,768,000 | 37,692,000 | 36,283,000 | 35,844,000 |
| Risk-weighted assets | 123,052,000 | 137,401,000 | 148,386,000 | 167,629,000 |