Call reports 2011
BUSINESS BANK, THE — 2011
What BUSINESS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 289,204,000 | 282,052,000 | 294,306,000 | 313,891,000 |
| Total loans | 204,974,000 | 214,183,000 | 212,531,000 | 215,224,000 |
| Allowance for loan losses | 3,195,000 | 3,390,000 | 3,160,000 | 3,235,000 |
| Securities available for sale | 18,367,000 | 16,943,000 | 20,450,000 | 19,685,000 |
| Securities held to maturity | 2,264,000 | 1,996,000 | 1,996,000 | 1,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,184,000 | 252,760,000 | 264,764,000 | 283,999,000 |
| Interest-bearing deposits | 208,246,000 | 199,283,000 | 205,753,000 | 213,774,000 |
| Noninterest-bearing deposits | 51,938,000 | 53,477,000 | 59,011,000 | 70,225,000 |
| Equity capital | 28,135,000 | 28,441,000 | 28,605,000 | 28,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,334,000 | 6,772,000 | 10,257,000 | 13,684,000 |
| Interest expense | 769,000 | 1,551,000 | 2,336,000 | 3,087,000 |
| Net interest income | 2,565,000 | 5,221,000 | 7,921,000 | 10,597,000 |
| Noninterest income | 178,000 | 327,000 | 456,000 | 627,000 |
| Noninterest expense | 2,184,000 | 4,334,000 | 6,557,000 | 8,876,000 |
| Provision for loan losses | 180,000 | 375,000 | 570,000 | 765,000 |
| Pretax income | 379,000 | 839,000 | 1,250,000 | 1,583,000 |
| Income tax | 121,000 | 269,000 | 402,000 | 278,000 |
| Net income | 258,000 | 570,000 | 848,000 | 1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,927,000 | 28,266,000 | 28,465,000 | 28,861,000 |
| Total capital | 29,632,000 | 31,045,000 | 31,240,000 | 31,631,000 |
| Risk-weighted assets | 216,379,000 | 221,674,000 | 221,588,000 | 221,188,000 |