Call reports 2010
NORTH AMERICAN STATE BANK — 2010
What NORTH AMERICAN STATE 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 | 107,977,000 | 102,325,000 | 106,746,000 | 106,692,000 |
| Total loans | 80,230,000 | 75,009,000 | 73,109,000 | 66,481,000 |
| Allowance for loan losses | 2,277,000 | 2,319,000 | 2,354,000 | 2,033,000 |
| Securities available for sale | 11,285,000 | 10,968,000 | 11,244,000 | 16,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,932,000 | 77,782,000 | 85,251,000 | 85,663,000 |
| Interest-bearing deposits | 69,951,000 | 66,097,000 | 72,210,000 | 72,089,000 |
| Noninterest-bearing deposits | 10,981,000 | 11,685,000 | 13,041,000 | 13,574,000 |
| Equity capital | 11,201,000 | 11,209,000 | 10,683,000 | 10,199,000 |
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 | 1,484,000 | 2,888,000 | 4,008,000 | 5,173,000 |
| Interest expense | 429,000 | 799,000 | 1,111,000 | 1,403,000 |
| Net interest income | 1,055,000 | 2,089,000 | 2,897,000 | 3,770,000 |
| Noninterest income | 82,000 | 156,000 | 271,000 | 363,000 |
| Noninterest expense | 1,004,000 | 2,032,000 | 3,063,000 | 4,235,000 |
| Provision for loan losses | 112,000 | 225,000 | 255,000 | 285,000 |
| Pretax income | 21,000 | -12,000 | -150,000 | -387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,000 | -12,000 | -524,000 | -761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,866,000 | 10,832,000 | 10,320,000 | 10,084,000 |
| Total capital | 12,037,000 | 11,933,000 | 11,397,000 | 11,101,000 |
| Risk-weighted assets | 92,583,000 | 86,868,000 | 84,864,000 | 80,347,000 |