Call reports 2010
FOLSOM LAKE BANK — 2010
What FOLSOM 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 | 104,129,000 | 113,874,000 | 115,198,000 | 111,998,000 |
| Total loans | 66,144,000 | 72,615,000 | 73,406,000 | 72,929,000 |
| Allowance for loan losses | 1,535,000 | 1,610,000 | 1,668,000 | 1,475,000 |
| Securities available for sale | 25,441,000 | 27,873,000 | 24,351,000 | 26,458,000 |
| Securities held to maturity | 3,704,000 | 3,349,000 | 3,043,000 | 2,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,272,000 | 98,481,000 | 99,563,000 | 93,133,000 |
| Interest-bearing deposits | 75,025,000 | 84,426,000 | 79,664,000 | 72,257,000 |
| Noninterest-bearing deposits | 14,246,000 | 14,055,000 | 19,900,000 | 20,876,000 |
| Equity capital | 11,529,000 | 11,969,000 | 12,183,000 | 11,975,000 |
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 | 1,301,000 | 2,579,000 | 3,954,000 | 5,274,000 |
| Interest expense | 309,000 | 640,000 | 946,000 | 1,209,000 |
| Net interest income | 992,000 | 1,939,000 | 3,008,000 | 4,065,000 |
| Noninterest income | 65,000 | 120,000 | 197,000 | 281,000 |
| Noninterest expense | 989,000 | 1,925,000 | 2,822,000 | 3,747,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 450,000 |
| Pretax income | 45,000 | 61,000 | 160,000 | 227,000 |
| Income tax | 0 | 0 | 0 | -128,000 |
| Net income | 45,000 | 61,000 | 160,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,264,000 | 11,317,000 | 11,431,000 | 11,642,000 |
| Total capital | 12,198,000 | 12,335,000 | 12,441,000 | 12,673,000 |
| Risk-weighted assets | 74,081,000 | 80,821,000 | 80,209,000 | 82,122,000 |