Call reports 2010
FIRST BANK OF BANCROFT — 2010
What FIRST BANK OF BANCROFT 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 | 19,142,000 | 19,966,000 | 19,619,000 | 20,569,000 |
| Total loans | 12,474,000 | 12,275,000 | 11,930,000 | 13,293,000 |
| Allowance for loan losses | 141,000 | 133,000 | 123,000 | 122,000 |
| Securities available for sale | 2,471,000 | 2,981,000 | 3,533,000 | 3,828,000 |
| Securities held to maturity | 66,000 | 66,000 | 66,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,811,000 | 16,600,000 | 16,130,000 | 15,882,000 |
| Interest-bearing deposits | 13,131,000 | 13,750,000 | 13,516,000 | 12,575,000 |
| Noninterest-bearing deposits | 2,680,000 | 2,850,000 | 2,614,000 | 3,307,000 |
| Equity capital | 3,135,000 | 3,165,000 | 3,243,000 | 3,143,000 |
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 | 227,000 | 456,000 | 683,000 | 914,000 |
| Interest expense | 40,000 | 78,000 | 116,000 | 152,000 |
| Net interest income | 187,000 | 378,000 | 567,000 | 762,000 |
| Noninterest income | 14,000 | 30,000 | 46,000 | 67,000 |
| Noninterest expense | 123,000 | 237,000 | 358,000 | 535,000 |
| Provision for loan losses | 0 | 5,000 | 30,000 | 30,000 |
| Pretax income | 78,000 | 166,000 | 225,000 | 264,000 |
| Income tax | 22,000 | 44,000 | 62,000 | 60,000 |
| Net income | 56,000 | 122,000 | 163,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,088,000 | 3,154,000 | 3,195,000 | 3,135,000 |
| Total capital | 3,229,000 | 3,287,000 | 3,318,000 | 3,257,000 |
| Risk-weighted assets | 13,338,000 | 13,498,000 | 13,403,000 | 15,090,000 |