Call reports 2011
EXCEL BANK — 2011
What EXCEL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 272,598,000 | 259,416,000 | 250,570,000 | 237,629,000 |
| Total loans | 225,549,000 | 213,638,000 | 193,907,000 | 174,804,000 |
| Allowance for loan losses | 6,843,000 | 9,332,000 | 5,506,000 | 7,118,000 |
| Securities available for sale | 12,230,000 | 12,158,000 | 11,832,000 | 14,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,966,000 | 221,209,000 | 213,995,000 | 205,280,000 |
| Interest-bearing deposits | 204,565,000 | 204,457,000 | 195,615,000 | 185,749,000 |
| Noninterest-bearing deposits | 17,401,000 | 16,752,000 | 18,380,000 | 19,531,000 |
| Equity capital | 19,198,000 | 14,141,000 | 13,399,000 | 9,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,243,000 | 6,253,000 | 9,010,000 | 11,323,000 |
| Interest expense | 839,000 | 1,629,000 | 2,332,000 | 2,961,000 |
| Net interest income | 2,404,000 | 4,624,000 | 6,678,000 | 8,362,000 |
| Noninterest income | 382,000 | 668,000 | 1,053,000 | 1,522,000 |
| Noninterest expense | 1,626,000 | 3,477,000 | 5,272,000 | 7,690,000 |
| Provision for loan losses | 87,000 | 5,965,000 | 7,465,000 | 10,433,000 |
| Pretax income | 1,078,000 | -4,120,000 | -4,976,000 | -8,209,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 1,073,000 | -4,130,000 | -4,991,000 | -8,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,982,000 | 13,779,000 | 12,918,000 | 9,661,000 |
| Total capital | 21,648,000 | 16,336,000 | 15,251,000 | 11,821,000 |
| Risk-weighted assets | 209,137,000 | 197,761,000 | 183,475,000 | 167,863,000 |