Call reports 2010
LOCUS BANK, INC. — 2010
What LOCUS BANK, INC. 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 | 30,599,000 | 40,553,000 | 44,626,000 | 50,264,000 |
| Total loans | 10,307,000 | 20,364,000 | 23,382,000 | 27,269,000 |
| Allowance for loan losses | 131,000 | 257,000 | 405,000 | 457,000 |
| Securities available for sale | 1,769,000 | 2,103,000 | 3,089,000 | 1,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,854,000 | 31,438,000 | 34,624,000 | 39,721,000 |
| Interest-bearing deposits | 21,261,000 | 30,562,000 | 34,006,000 | 38,746,000 |
| Noninterest-bearing deposits | 593,000 | 876,000 | 618,000 | 976,000 |
| Equity capital | 8,655,000 | 8,662,000 | 9,036,000 | 8,977,000 |
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 | 255,000 | 621,000 | 1,096,000 | 1,592,000 |
| Interest expense | 79,000 | 190,000 | 332,000 | 487,000 |
| Net interest income | 176,000 | 431,000 | 764,000 | 1,105,000 |
| Noninterest income | 0 | 1,000 | 605,000 | 610,000 |
| Noninterest expense | 235,000 | 387,000 | 590,000 | 808,000 |
| Provision for loan losses | 25,000 | 151,000 | 299,000 | 351,000 |
| Pretax income | -84,000 | -106,000 | 480,000 | 583,000 |
| Income tax | -23,000 | -45,000 | 156,000 | 250,000 |
| Net income | -61,000 | -61,000 | 324,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,378,000 | 8,353,000 | 8,941,000 | 8,926,000 |
| Total capital | 8,509,000 | 8,610,000 | 9,284,000 | 9,146,000 |
| Risk-weighted assets | 18,646,000 | 29,789,000 | 26,653,000 | 30,225,000 |
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