Call reports 2010
FIRST CITY BANK — 2010
What FIRST CITY 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 | 64,215,000 | 64,527,000 | 65,382,000 | 63,821,000 |
| Total loans | 54,340,000 | 53,950,000 | 52,066,000 | 49,596,000 |
| Allowance for loan losses | 711,000 | 732,000 | 851,000 | 551,000 |
| Securities available for sale | 2,509,000 | 3,111,000 | 3,033,000 | 5,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,555,000 | 55,997,000 | 56,888,000 | 56,815,000 |
| Interest-bearing deposits | 52,120,000 | 53,548,000 | 53,825,000 | 53,929,000 |
| Noninterest-bearing deposits | 2,436,000 | 2,449,000 | 3,063,000 | 2,886,000 |
| Equity capital | 5,278,000 | 5,430,000 | 5,471,000 | 5,493,000 |
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 | 867,000 | 1,738,000 | 2,587,000 | 3,405,000 |
| Interest expense | 269,000 | 537,000 | 800,000 | 1,037,000 |
| Net interest income | 598,000 | 1,201,000 | 1,787,000 | 2,368,000 |
| Noninterest income | -4,000 | 0 | 6,000 | 11,000 |
| Noninterest expense | 448,000 | 899,000 | 1,333,000 | 1,768,000 |
| Provision for loan losses | 21,000 | 42,000 | 153,000 | 177,000 |
| Pretax income | 125,000 | 260,000 | 307,000 | 434,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 125,000 | 260,000 | 307,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,248,000 | 5,384,000 | 5,431,000 | 5,484,000 |
| Total capital | 6,534,000 | 6,670,000 | 6,595,000 | 6,627,000 |
| Risk-weighted assets | 46,777,000 | 46,737,000 | 44,865,000 | 43,396,000 |