Call reports 2010
BANK OF SAINT ELIZABETH — 2010
What BANK OF SAINT ELIZABETH 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 | 96,866,000 | 98,257,000 | 100,532,000 | 100,958,000 |
| Total loans | 70,965,000 | 71,487,000 | 72,349,000 | 73,371,000 |
| Allowance for loan losses | 621,000 | 621,000 | 621,000 | 621,000 |
| Securities available for sale | 4,123,000 | 4,123,000 | 2,311,000 | 2,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,368,000 | 81,063,000 | 84,874,000 | 85,149,000 |
| Interest-bearing deposits | 64,809,000 | 66,728,000 | 70,258,000 | 69,109,000 |
| Noninterest-bearing deposits | 14,559,000 | 14,335,000 | 14,616,000 | 16,040,000 |
| Equity capital | 9,939,000 | 10,277,000 | 10,448,000 | 10,693,000 |
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 | 1,283,000 | 2,613,000 | 3,929,000 | 5,202,000 |
| Interest expense | 361,000 | 716,000 | 1,050,000 | 1,370,000 |
| Net interest income | 922,000 | 1,897,000 | 2,879,000 | 3,832,000 |
| Noninterest income | 142,000 | 304,000 | 480,000 | 649,000 |
| Noninterest expense | 575,000 | 1,096,000 | 1,659,000 | 2,481,000 |
| Provision for loan losses | -2,000 | 49,000 | 75,000 | 120,000 |
| Pretax income | 491,000 | 1,056,000 | 1,625,000 | 1,880,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 491,000 | 1,056,000 | 1,625,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,513,000 | 6,864,000 | 7,051,000 | 7,340,000 |
| Total capital | 7,134,000 | 7,485,000 | 7,672,000 | 7,961,000 |
| Risk-weighted assets | 67,918,000 | 68,551,000 | 69,508,000 | 70,437,000 |