Call reports 2010
FIRST NATIONAL BANK OF BYERS, THE — 2010
What FIRST NATIONAL BANK OF BYERS, 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 | 87,410,000 | 91,190,000 | 94,159,000 | 94,221,000 |
| Total loans | 52,795,000 | 54,139,000 | 54,194,000 | 54,922,000 |
| Allowance for loan losses | 749,000 | 755,000 | 722,000 | 795,000 |
| Securities available for sale | 14,961,000 | 15,821,000 | 15,698,000 | 17,064,000 |
| Securities held to maturity | 1,127,000 | 1,127,000 | 1,120,000 | 1,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,341,000 | 80,574,000 | 83,344,000 | 84,057,000 |
| Interest-bearing deposits | 52,064,000 | 54,622,000 | 56,808,000 | 57,559,000 |
| Noninterest-bearing deposits | 24,278,000 | 25,952,000 | 26,536,000 | 26,499,000 |
| Equity capital | 10,289,000 | 10,363,000 | 10,435,000 | 10,130,000 |
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 | 1,012,000 | 2,006,000 | 3,001,000 | 3,995,000 |
| Interest expense | 105,000 | 215,000 | 326,000 | 427,000 |
| Net interest income | 907,000 | 1,791,000 | 2,675,000 | 3,568,000 |
| Noninterest income | 155,000 | 316,000 | 481,000 | 430,000 |
| Noninterest expense | 971,000 | 1,901,000 | 2,848,000 | 3,702,000 |
| Provision for loan losses | 200,000 | 200,000 | 215,000 | 595,000 |
| Pretax income | -109,000 | 6,000 | 93,000 | -299,000 |
| Income tax | -47,000 | -17,000 | 3,000 | -137,000 |
| Net income | -62,000 | 23,000 | 90,000 | -162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,083,000 | 10,169,000 | 10,235,000 | 9,984,000 |
| Total capital | 10,814,000 | 10,918,000 | 10,957,000 | 10,748,000 |
| Risk-weighted assets | 58,502,000 | 59,948,000 | 59,945,000 | 61,072,000 |