Call reports 2010
COLDWATER NATIVE BANK, THE — 2010
What COLDWATER NATIVE BANK, 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 |
|---|---|---|---|
| Total assets | 13,525,000 | 13,040,000 | 12,657,000 |
| Total loans | 2,235,000 | 1,250,000 | 1,201,000 |
| Allowance for loan losses | 23,000 | 23,000 | 17,000 |
| Securities available for sale | 4,999,000 | 4,865,000 | 4,697,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 10,598,000 | 10,053,000 | 9,703,000 |
| Interest-bearing deposits | 8,122,000 | 7,728,000 | 7,121,000 |
| Noninterest-bearing deposits | 2,476,000 | 2,325,000 | 2,582,000 |
| Equity capital | 2,862,000 | 2,910,000 | 2,876,000 |
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 |
|---|---|---|---|
| Interest income | 79,000 | 158,000 | 221,000 |
| Interest expense | 11,000 | 24,000 | 35,000 |
| Net interest income | 68,000 | 134,000 | 186,000 |
| Noninterest income | 7,000 | 16,000 | 23,000 |
| Noninterest expense | 95,000 | 174,000 | 259,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -20,000 | -24,000 | -50,000 |
| Income tax | -3,000 | -6,000 | -8,000 |
| Net income | -17,000 | -18,000 | -42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Tier 1 capital | 2,844,000 | 2,842,000 | 2,818,000 |
| Total capital | 2,867,000 | 2,865,000 | 2,835,000 |
| Risk-weighted assets | 4,576,000 | 3,670,000 | 3,555,000 |