Call reports 2010
BENCHMARK COMMUNITY BANK — 2010
What BENCHMARK 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 | 390,230,000 | 404,038,000 | 417,326,000 | 417,870,000 |
| Total loans | 323,895,000 | 326,767,000 | 324,233,000 | 326,332,000 |
| Allowance for loan losses | 3,953,000 | 4,444,000 | 4,757,000 | 4,518,000 |
| Securities available for sale | 26,140,000 | 28,122,000 | 29,959,000 | 30,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,080,000 | 364,297,000 | 376,008,000 | 377,343,000 |
| Interest-bearing deposits | 309,042,000 | 322,134,000 | 330,562,000 | 333,164,000 |
| Noninterest-bearing deposits | 41,039,000 | 42,163,000 | 45,446,000 | 44,179,000 |
| Equity capital | 36,537,000 | 36,545,000 | 38,199,000 | 37,700,000 |
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 | 5,851,000 | 11,545,000 | 17,560,000 | 23,589,000 |
| Interest expense | 1,776,000 | 3,491,000 | 5,119,000 | 6,675,000 |
| Net interest income | 4,075,000 | 8,054,000 | 12,441,000 | 16,914,000 |
| Noninterest income | 673,000 | 1,408,000 | 2,135,000 | 2,835,000 |
| Noninterest expense | 2,694,000 | 5,458,000 | 8,226,000 | 11,168,000 |
| Provision for loan losses | 693,000 | 1,242,000 | 1,811,000 | 2,347,000 |
| Pretax income | 1,361,000 | 2,762,000 | 4,539,000 | 6,298,000 |
| Income tax | 392,000 | 781,000 | 1,283,000 | 1,724,000 |
| Net income | 969,000 | 1,981,000 | 3,256,000 | 4,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,553,000 | 34,390,000 | 37,519,000 | 38,087,000 |
| Total capital | 38,172,000 | 38,047,000 | 41,163,000 | 41,771,000 |
| Risk-weighted assets | 289,168,000 | 291,033,000 | 289,633,000 | 293,869,000 |