Call reports 2010
BANK OF FINCASTLE, THE — 2010
What BANK OF FINCASTLE, 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 | 175,908,000 | 181,212,000 | 176,969,000 | 176,322,000 |
| Total loans | 138,982,000 | 137,330,000 | 140,947,000 | 142,303,000 |
| Allowance for loan losses | 1,391,000 | 1,360,000 | 1,380,000 | 1,899,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,289,000 | 15,239,000 | 16,076,000 | 14,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,776,000 | 150,853,000 | 150,955,000 | 150,196,000 |
| Interest-bearing deposits | 114,371,000 | 115,322,000 | 113,712,000 | 113,082,000 |
| Noninterest-bearing deposits | 36,405,000 | 35,531,000 | 37,243,000 | 37,114,000 |
| Equity capital | 24,274,000 | 24,493,000 | 24,868,000 | 24,368,000 |
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 | 1,962,000 | 3,965,000 | 5,934,000 | 7,789,000 |
| Interest expense | 353,000 | 676,000 | 1,007,000 | 1,337,000 |
| Net interest income | 1,609,000 | 3,289,000 | 4,927,000 | 6,452,000 |
| Noninterest income | 290,000 | 585,000 | 1,005,000 | 1,333,000 |
| Noninterest expense | 1,290,000 | 2,577,000 | 3,951,000 | 5,343,000 |
| Provision for loan losses | 60,000 | 205,000 | 350,000 | 935,000 |
| Pretax income | 549,000 | 1,092,000 | 1,631,000 | 1,507,000 |
| Income tax | 150,000 | 285,000 | 446,000 | 456,000 |
| Net income | 399,000 | 807,000 | 1,185,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,274,000 | 24,493,000 | 24,868,000 | 24,368,000 |
| Total capital | 25,665,000 | 25,853,000 | 26,248,000 | 26,267,000 |
| Risk-weighted assets | 163,262,000 | 161,213,000 | 163,195,000 | 163,381,000 |