Call reports 2010
PENINSULA BANK, THE — 2010
What PENINSULA 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 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 140,589,000 | 135,452,000 | 139,691,000 | 136,020,000 |
| Total loans | 106,206,000 | 106,257,000 | 105,041,000 | 102,047,000 |
| Allowance for loan losses | 1,424,000 | 1,464,000 | 1,518,000 | 1,569,000 |
| Securities available for sale | 12,244,000 | 11,293,000 | 10,735,000 | 10,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,661,000 | 112,569,000 | 115,818,000 | 112,963,000 |
| Interest-bearing deposits | 103,665,000 | 99,559,000 | 100,585,000 | 102,514,000 |
| Noninterest-bearing deposits | 11,996,000 | 13,010,000 | 15,233,000 | 10,449,000 |
| Equity capital | 16,151,000 | 16,225,000 | 16,544,000 | 16,358,000 |
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 | 1,753,000 | 3,513,000 | 5,268,000 | 6,996,000 |
| Interest expense | 413,000 | 793,000 | 1,140,000 | 1,471,000 |
| Net interest income | 1,340,000 | 2,720,000 | 4,128,000 | 5,525,000 |
| Noninterest income | 180,000 | 373,000 | 569,000 | 790,000 |
| Noninterest expense | 1,063,000 | 2,169,000 | 3,264,000 | 4,523,000 |
| Provision for loan losses | 110,000 | 160,000 | 270,000 | 400,000 |
| Pretax income | 347,000 | 764,000 | 1,163,000 | 1,392,000 |
| Income tax | 111,000 | 241,000 | 372,000 | 438,000 |
| Net income | 236,000 | 523,000 | 791,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,925,000 | 16,008,000 | 16,277,000 | 16,223,000 |
| Total capital | 17,226,000 | 17,295,000 | 17,557,000 | 17,468,000 |
| Risk-weighted assets | 103,975,000 | 102,769,000 | 102,129,000 | 99,233,000 |