Call reports 2010
FIRST SOUND BANK — 2010
What FIRST SOUND 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 | 190,379,000 | 172,740,000 | 154,456,000 | 145,442,000 |
| Total loans | 157,287,000 | 141,150,000 | 124,056,000 | 113,726,000 |
| Allowance for loan losses | 10,103,000 | 11,717,000 | 6,109,000 | 6,172,000 |
| Securities available for sale | 1,151,000 | 1,083,000 | 1,015,000 | 954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,289,000 | 163,444,000 | 146,012,000 | 136,174,000 |
| Interest-bearing deposits | 148,301,000 | 133,755,000 | 120,018,000 | 106,213,000 |
| Noninterest-bearing deposits | 31,988,000 | 29,689,000 | 25,994,000 | 29,961,000 |
| Equity capital | 5,156,000 | 5,568,000 | 5,137,000 | 4,513,000 |
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 | 2,347,000 | 4,961,000 | 7,116,000 | 9,117,000 |
| Interest expense | 516,000 | 1,016,000 | 1,476,000 | 1,873,000 |
| Net interest income | 1,831,000 | 3,945,000 | 5,640,000 | 7,244,000 |
| Noninterest income | 214,000 | 667,000 | 636,000 | 537,000 |
| Noninterest expense | 3,342,000 | 6,286,000 | 8,707,000 | 11,103,000 |
| Provision for loan losses | -128,000 | 2,196,000 | 2,626,000 | 4,616,000 |
| Pretax income | -1,169,000 | -3,870,000 | -5,057,000 | -7,938,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,169,000 | -3,870,000 | -5,057,000 | -7,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,836,000 | 5,273,000 | 4,867,000 | 4,489,000 |
| Total capital | 6,978,000 | 7,233,000 | 6,628,000 | 6,099,000 |
| Risk-weighted assets | 163,358,000 | 146,999,000 | 136,472,000 | 124,234,000 |