Call reports 2010
KODABANK — 2010
What KODABANK 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 | 72,740,000 | 75,542,000 | 75,254,000 | 83,639,000 |
| Total loans | 48,480,000 | 52,396,000 | 53,858,000 | 53,918,000 |
| Allowance for loan losses | 833,000 | 835,000 | 646,000 | 701,000 |
| Securities available for sale | 14,344,000 | 14,069,000 | 12,427,000 | 13,362,000 |
| Securities held to maturity | 3,191,000 | 2,920,000 | 2,920,000 | 3,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,178,000 | 62,172,000 | 62,373,000 | 73,994,000 |
| Interest-bearing deposits | 52,763,000 | 53,085,000 | 53,295,000 | 58,642,000 |
| Noninterest-bearing deposits | 10,415,000 | 9,087,000 | 9,078,000 | 15,352,000 |
| Equity capital | 9,035,000 | 8,948,000 | 9,181,000 | 9,019,000 |
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 | 825,000 | 1,877,000 | 2,980,000 | 4,055,000 |
| Interest expense | 203,000 | 444,000 | 691,000 | 930,000 |
| Net interest income | 622,000 | 1,433,000 | 2,289,000 | 3,125,000 |
| Noninterest income | 58,000 | 133,000 | 206,000 | 274,000 |
| Noninterest expense | 358,000 | 776,000 | 1,214,000 | 1,678,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 250,000 |
| Pretax income | 272,000 | 691,000 | 1,132,000 | 1,472,000 |
| Income tax | 18,000 | 48,000 | 75,000 | 102,000 |
| Net income | 254,000 | 643,000 | 1,057,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,146,000 | 7,975,000 | 8,199,000 | 8,142,000 |
| Total capital | 8,740,000 | 8,587,000 | 8,832,000 | 8,795,000 |
| Risk-weighted assets | 47,313,000 | 49,072,000 | 50,601,000 | 52,180,000 |