Call reports 2010
BANK OF ERATH — 2010
What BANK OF ERATH 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 | 81,789,000 | 82,774,000 | 82,236,000 | 83,017,000 |
| Total loans | 45,610,000 | 46,771,000 | 49,675,000 | 49,229,000 |
| Allowance for loan losses | 562,000 | 549,000 | 560,000 | 591,000 |
| Securities available for sale | 22,979,000 | 26,571,000 | 23,925,000 | 23,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,060,000 | 69,553,000 | 68,389,000 | 70,616,000 |
| Interest-bearing deposits | 45,948,000 | 46,244,000 | 46,355,000 | 45,921,000 |
| Noninterest-bearing deposits | 23,112,000 | 23,309,000 | 22,034,000 | 24,695,000 |
| Equity capital | 12,107,000 | 12,426,000 | 12,807,000 | 12,015,000 |
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 | 974,000 | 1,968,000 | 2,978,000 | 4,016,000 |
| Interest expense | 117,000 | 237,000 | 356,000 | 473,000 |
| Net interest income | 857,000 | 1,731,000 | 2,622,000 | 3,543,000 |
| Noninterest income | 96,000 | 218,000 | 366,000 | 505,000 |
| Noninterest expense | 759,000 | 1,456,000 | 2,166,000 | 2,989,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 194,000 | 493,000 | 822,000 | 984,000 |
| Income tax | 58,000 | 154,000 | 256,000 | 210,000 |
| Net income | 136,000 | 339,000 | 566,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,842,000 | 12,010,000 | 12,228,000 | 11,782,000 |
| Total capital | 12,404,000 | 12,559,000 | 12,788,000 | 12,373,000 |
| Risk-weighted assets | 58,032,000 | 54,941,000 | 55,223,000 | 56,953,000 |