Call reports 2010
STATE BANK OF PEARL CITY, THE — 2010
What STATE BANK OF PEARL CITY, 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 | 45,380,000 | 44,900,000 | 43,984,000 | 43,301,000 |
| Total loans | 20,273,000 | 21,233,000 | 22,386,000 | 21,999,000 |
| Allowance for loan losses | 184,000 | 211,000 | 109,000 | 121,000 |
| Securities available for sale | 19,998,000 | 18,866,000 | 17,466,000 | 17,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,883,000 | 40,255,000 | 39,495,000 | 39,841,000 |
| Interest-bearing deposits | 36,440,000 | 36,041,000 | 35,208,000 | 35,264,000 |
| Noninterest-bearing deposits | 4,443,000 | 4,214,000 | 4,287,000 | 4,577,000 |
| Equity capital | 4,291,000 | 4,469,000 | 4,330,000 | 3,329,000 |
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 | 571,000 | 1,156,000 | 1,709,000 | 2,321,000 |
| Interest expense | 221,000 | 423,000 | 606,000 | 775,000 |
| Net interest income | 350,000 | 733,000 | 1,103,000 | 1,546,000 |
| Noninterest income | 5,000 | 5,000 | -2,000 | 8,000 |
| Noninterest expense | 317,000 | 648,000 | 987,000 | 1,327,000 |
| Provision for loan losses | 15,000 | 56,000 | 135,000 | 161,000 |
| Pretax income | 37,000 | 48,000 | -7,000 | 80,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 37,000 | 48,000 | -7,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,403,000 | 4,413,000 | 4,357,000 | 4,445,000 |
| Total capital | 4,587,000 | 4,624,000 | 4,466,000 | 4,566,000 |
| Risk-weighted assets | 24,476,000 | 24,690,000 | 25,397,000 | 25,292,000 |