Call reports 2009
EQUITABLE BANK, S.S.B., THE — 2009
What EQUITABLE BANK, S.S.B., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 533,154,000 | 514,235,000 | 493,979,000 | 491,873,000 |
| Total loans | 461,988,000 | 438,104,000 | 414,505,000 | 416,539,000 |
| Allowance for loan losses | 4,753,000 | 5,409,000 | 6,698,000 | 6,093,000 |
| Securities available for sale | 33,548,000 | 33,614,000 | 34,583,000 | 26,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,326,000 | 447,249,000 | 436,812,000 | 419,635,000 |
| Interest-bearing deposits | 449,585,000 | 429,170,000 | 421,230,000 | 404,735,000 |
| Noninterest-bearing deposits | 15,741,000 | 18,079,000 | 15,582,000 | 14,900,000 |
| Equity capital | 46,612,000 | 43,868,000 | 40,515,000 | 40,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,787,000 | 13,089,000 | 19,128,000 | 25,044,000 |
| Interest expense | 3,241,000 | 6,100,000 | 8,533,000 | 10,469,000 |
| Net interest income | 3,546,000 | 6,989,000 | 10,595,000 | 14,575,000 |
| Noninterest income | 771,000 | 1,907,000 | 1,559,000 | 2,149,000 |
| Noninterest expense | 4,280,000 | 8,318,000 | 12,776,000 | 16,742,000 |
| Provision for loan losses | 190,000 | 4,796,000 | 8,814,000 | 9,084,000 |
| Pretax income | -110,000 | -4,154,000 | -9,372,000 | -8,820,000 |
| Income tax | -221,000 | -1,674,000 | -3,534,000 | -3,981,000 |
| Net income | 111,000 | -2,480,000 | -5,838,000 | -4,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,639,000 | 41,783,000 | 36,369,000 | 40,131,000 |
| Total capital | 53,322,000 | 46,257,000 | 40,732,000 | 44,536,000 |
| Risk-weighted assets | 374,586,000 | 356,992,000 | 346,697,000 | 350,693,000 |