Call reports 2010
BANK OF NEW CAMBRIA — 2010
What BANK OF NEW CAMBRIA 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 | 30,202,000 | 30,668,000 | 30,174,000 | 31,624,000 |
| Total loans | 17,862,000 | 17,850,000 | 17,703,000 | 17,058,000 |
| Allowance for loan losses | 324,000 | 331,000 | 255,000 | 282,000 |
| Securities available for sale | 5,663,000 | 6,618,000 | 7,244,000 | 7,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,921,000 | 27,348,000 | 26,804,000 | 28,461,000 |
| Interest-bearing deposits | 24,475,000 | 24,807,000 | 24,361,000 | 25,944,000 |
| Noninterest-bearing deposits | 2,446,000 | 2,541,000 | 2,443,000 | 2,517,000 |
| Equity capital | 3,165,000 | 3,217,000 | 3,248,000 | 3,127,000 |
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 | 343,000 | 697,000 | 1,020,000 | 1,341,000 |
| Interest expense | 97,000 | 189,000 | 272,000 | 346,000 |
| Net interest income | 246,000 | 508,000 | 748,000 | 995,000 |
| Noninterest income | 22,000 | 48,000 | 79,000 | 108,000 |
| Noninterest expense | 247,000 | 496,000 | 756,000 | 1,014,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 68,000 |
| Pretax income | 15,000 | 48,000 | 53,000 | 21,000 |
| Income tax | 1,000 | -12,000 | -15,000 | -23,000 |
| Net income | 14,000 | 60,000 | 68,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,110,000 | 3,155,000 | 3,164,000 | 3,125,000 |
| Total capital | 3,367,000 | 3,417,000 | 3,419,000 | 3,378,000 |
| Risk-weighted assets | 20,481,000 | 20,859,000 | 21,156,000 | 21,156,000 |