Call reports 2010
FIRST CREDIT BANK — 2010
What FIRST CREDIT 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 | 484,483,000 | 486,219,000 | 495,294,000 | 491,278,000 |
| Total loans | 407,849,000 | 423,704,000 | 408,069,000 | 376,502,000 |
| Allowance for loan losses | 19,327,000 | 30,098,000 | 30,128,000 | 20,468,000 |
| Securities available for sale | 20,733,000 | 22,623,000 | 27,031,000 | 28,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,399,000 | 371,037,000 | 376,475,000 | 362,826,000 |
| Interest-bearing deposits | 358,053,000 | 357,534,000 | 358,516,000 | 347,030,000 |
| Noninterest-bearing deposits | 11,346,000 | 13,503,000 | 17,959,000 | 15,796,000 |
| Equity capital | 110,141,000 | 109,226,000 | 111,740,000 | 124,832,000 |
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 | 9,650,000 | 19,939,000 | 28,870,000 | 38,862,000 |
| Interest expense | 1,660,000 | 3,176,000 | 4,615,000 | 6,009,000 |
| Net interest income | 7,990,000 | 16,763,000 | 24,255,000 | 32,853,000 |
| Noninterest income | 1,222,000 | 3,069,000 | 3,149,000 | 4,000,000 |
| Noninterest expense | 1,421,000 | 2,449,000 | 3,895,000 | 5,348,000 |
| Provision for loan losses | 0 | 6,000,000 | 6,000,000 | -3,660,000 |
| Pretax income | 7,863,000 | 11,469,000 | 17,661,000 | 35,334,000 |
| Income tax | 273,000 | 492,000 | 709,000 | 994,000 |
| Net income | 7,590,000 | 10,977,000 | 16,952,000 | 34,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,294,000 | 108,439,000 | 109,991,000 | 124,443,000 |
| Total capital | 114,920,000 | 114,206,000 | 115,668,000 | 129,626,000 |
| Risk-weighted assets | 436,153,000 | 436,368,000 | 419,445,000 | 396,687,000 |
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