Call reports 2010
BUSINESS BANK, THE — 2010
What BUSINESS BANK, THE 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 | 362,329,000 | 347,048,000 | 332,908,000 | 357,713,000 |
| Total loans | 299,435,000 | 292,710,000 | 281,770,000 | 265,462,000 |
| Allowance for loan losses | 3,229,000 | 3,464,000 | 5,206,000 | 5,043,000 |
| Securities available for sale | 21,841,000 | 19,039,000 | 23,407,000 | 30,990,000 |
| Securities held to maturity | 4,360,000 | 906,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,525,000 | 309,242,000 | 296,722,000 | 321,528,000 |
| Interest-bearing deposits | 299,820,000 | 283,450,000 | 273,132,000 | 295,695,000 |
| Noninterest-bearing deposits | 23,705,000 | 25,792,000 | 23,590,000 | 25,834,000 |
| Equity capital | 33,218,000 | 33,419,000 | 31,083,000 | 31,421,000 |
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 | 4,431,000 | 8,769,000 | 12,858,000 | 16,811,000 |
| Interest expense | 1,476,000 | 2,940,000 | 4,345,000 | 5,732,000 |
| Net interest income | 2,955,000 | 5,829,000 | 8,513,000 | 11,079,000 |
| Noninterest income | 78,000 | 149,000 | 193,000 | -106,000 |
| Noninterest expense | 1,431,000 | 2,923,000 | 4,567,000 | 5,616,000 |
| Provision for loan losses | 700,000 | 1,716,000 | 6,065,000 | 6,357,000 |
| Pretax income | 902,000 | 1,619,000 | -1,487,000 | -561,000 |
| Income tax | 327,000 | 581,000 | -660,000 | -316,000 |
| Net income | 575,000 | 1,038,000 | -827,000 | -245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,789,000 | 33,052,000 | 30,601,000 | 31,183,000 |
| Total capital | 36,018,000 | 36,516,000 | 34,194,000 | 34,598,000 |
| Risk-weighted assets | 299,736,000 | 296,928,000 | 285,903,000 | 271,545,000 |