Call reports 2010
MAROA FORSYTH COMMUNITY BANK — 2010
What MAROA FORSYTH COMMUNITY 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 | 19,550,000 | 20,622,000 | 23,012,000 | 20,120,000 |
| Total loans | 8,803,000 | 8,559,000 | 9,115,000 | 9,705,000 |
| Allowance for loan losses | 94,000 | 71,000 | 93,000 | 93,000 |
| Securities available for sale | 8,536,000 | 8,665,000 | 8,125,000 | 8,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,542,000 | 17,619,000 | 20,038,000 | 17,071,000 |
| Interest-bearing deposits | 14,382,000 | 15,193,000 | 17,794,000 | 14,430,000 |
| Noninterest-bearing deposits | 2,160,000 | 2,426,000 | 2,244,000 | 2,641,000 |
| Equity capital | 2,938,000 | 2,939,000 | 2,917,000 | 2,839,000 |
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 | 248,000 | 492,000 | 682,000 | 908,000 |
| Interest expense | 38,000 | 74,000 | 103,000 | 126,000 |
| Net interest income | 210,000 | 418,000 | 579,000 | 782,000 |
| Noninterest income | 55,000 | 110,000 | 160,000 | 233,000 |
| Noninterest expense | 228,000 | 425,000 | 652,000 | 865,000 |
| Provision for loan losses | 0 | 42,000 | 60,000 | 60,000 |
| Pretax income | 42,000 | 66,000 | 32,000 | 95,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 41,000 | 65,000 | 31,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,542,000 | 2,519,000 | 2,486,000 | 2,551,000 |
| Total capital | 2,636,000 | 2,590,000 | 2,579,000 | 2,644,000 |
| Risk-weighted assets | 10,871,000 | 11,134,000 | 14,406,000 | 14,794,000 |