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 | 250,233,000 | 255,482,000 | 269,724,000 | 275,199,000 |
| Total loans | 201,001,000 | 208,162,000 | 207,154,000 | 204,873,000 |
| Allowance for loan losses | 2,709,000 | 2,773,000 | 2,906,000 | 3,011,000 |
| Securities available for sale | 18,332,000 | 19,253,000 | 16,984,000 | 18,401,000 |
| Securities held to maturity | 3,757,000 | 3,749,000 | 3,292,000 | 2,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,256,000 | 227,319,000 | 241,009,000 | 246,258,000 |
| Interest-bearing deposits | 174,442,000 | 173,615,000 | 187,245,000 | 193,657,000 |
| Noninterest-bearing deposits | 47,814,000 | 53,704,000 | 53,764,000 | 52,601,000 |
| Equity capital | 26,951,000 | 27,186,000 | 27,458,000 | 27,964,000 |
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 | 3,417,000 | 6,900,000 | 10,454,000 | 14,034,000 |
| Interest expense | 823,000 | 1,605,000 | 2,400,000 | 3,208,000 |
| Net interest income | 2,594,000 | 5,295,000 | 8,054,000 | 10,826,000 |
| Noninterest income | 125,000 | 201,000 | 301,000 | 427,000 |
| Noninterest expense | 2,150,000 | 4,324,000 | 6,507,000 | 8,334,000 |
| Provision for loan losses | 105,000 | 210,000 | 330,000 | 480,000 |
| Pretax income | 464,000 | 967,000 | 1,523,000 | 2,444,000 |
| Income tax | 148,000 | 311,000 | 493,000 | 754,000 |
| Net income | 316,000 | 656,000 | 1,030,000 | 1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,692,000 | 25,910,000 | 26,194,000 | 26,608,000 |
| Total capital | 28,306,000 | 28,560,000 | 28,851,000 | 29,293,000 |
| Risk-weighted assets | 208,824,000 | 211,864,000 | 212,289,000 | 214,456,000 |