Call reports 2010
EXCEL BANK — 2010
What EXCEL 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 | 269,220,000 | 275,116,000 | 287,569,000 | 272,248,000 |
| Total loans | 236,033,000 | 242,274,000 | 240,321,000 | 233,010,000 |
| Allowance for loan losses | 3,925,000 | 4,780,000 | 5,108,000 | 6,761,000 |
| Securities available for sale | 15,286,000 | 14,097,000 | 12,330,000 | 11,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,025,000 | 199,170,000 | 212,544,000 | 214,568,000 |
| Interest-bearing deposits | 178,398,000 | 183,170,000 | 195,601,000 | 197,342,000 |
| Noninterest-bearing deposits | 16,627,000 | 16,000,000 | 16,943,000 | 17,226,000 |
| Equity capital | 20,308,000 | 21,128,000 | 22,181,000 | 18,086,000 |
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 | 3,940,000 | 7,916,000 | 11,720,000 | 15,282,000 |
| Interest expense | 1,188,000 | 2,277,000 | 3,332,000 | 4,329,000 |
| Net interest income | 2,752,000 | 5,639,000 | 8,388,000 | 10,953,000 |
| Noninterest income | 326,000 | 633,000 | 1,082,000 | 1,669,000 |
| Noninterest expense | 1,553,000 | 3,194,000 | 4,865,000 | 6,309,000 |
| Provision for loan losses | 200,000 | 1,060,000 | 1,601,000 | 7,232,000 |
| Pretax income | 1,367,000 | 2,065,000 | 3,113,000 | -810,000 |
| Income tax | 4,000 | 11,000 | 18,000 | 23,000 |
| Net income | 1,363,000 | 2,054,000 | 3,095,000 | -833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,106,000 | 20,796,000 | 21,837,000 | 17,909,000 |
| Total capital | 22,825,000 | 23,571,000 | 24,598,000 | 20,596,000 |
| Risk-weighted assets | 216,327,000 | 220,062,000 | 218,551,000 | 210,846,000 |