Call reports 2010
SILVER LAKE BANK — 2010
What SILVER LAKE 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 | 208,330,000 | 210,703,000 | 216,499,000 | 215,825,000 |
| Total loans | 152,989,000 | 155,172,000 | 152,284,000 | 149,177,000 |
| Allowance for loan losses | 1,529,000 | 3,327,000 | 2,437,000 | 2,528,000 |
| Securities available for sale | 35,109,000 | 30,890,000 | 31,632,000 | 44,947,000 |
| Securities held to maturity | 1,015,000 | 997,000 | 948,000 | 820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,552,000 | 162,451,000 | 164,899,000 | 161,001,000 |
| Interest-bearing deposits | 141,634,000 | 145,348,000 | 139,649,000 | 141,726,000 |
| Noninterest-bearing deposits | 16,918,000 | 17,104,000 | 25,250,000 | 19,275,000 |
| Equity capital | 24,408,000 | 23,504,000 | 24,300,000 | 24,380,000 |
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 | 2,544,000 | 5,096,000 | 7,569,000 | 10,050,000 |
| Interest expense | 688,000 | 1,373,000 | 2,042,000 | 2,693,000 |
| Net interest income | 1,856,000 | 3,723,000 | 5,527,000 | 7,357,000 |
| Noninterest income | 122,000 | 243,000 | 368,000 | 490,000 |
| Noninterest expense | 1,107,000 | 2,164,000 | 3,278,000 | 4,391,000 |
| Provision for loan losses | 1,150,000 | 3,873,000 | 3,873,000 | 3,963,000 |
| Pretax income | -279,000 | -1,958,000 | -1,143,000 | -394,000 |
| Income tax | -138,000 | -792,000 | -525,000 | -320,000 |
| Net income | -141,000 | -1,166,000 | -618,000 | -74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,001,000 | 22,975,000 | 23,524,000 | 24,068,000 |
| Total capital | 25,530,000 | 24,925,000 | 25,428,000 | 25,956,000 |
| Risk-weighted assets | 162,857,000 | 154,632,000 | 151,791,000 | 150,413,000 |