Call reports 2009
BANK NORTH — 2009
What BANK NORTH 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 | 114,741,000 | 118,773,000 | 121,534,000 | 121,279,000 |
| Total loans | 80,171,000 | 82,976,000 | 83,952,000 | 84,330,000 |
| Allowance for loan losses | 1,030,000 | 1,104,000 | 858,000 | 1,153,000 |
| Securities available for sale | 27,777,000 | 30,404,000 | 33,568,000 | 31,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,296,000 | 99,470,000 | 98,953,000 | 97,323,000 |
| Interest-bearing deposits | 81,784,000 | 84,860,000 | 84,706,000 | 82,876,000 |
| Noninterest-bearing deposits | 13,512,000 | 14,610,000 | 14,247,000 | 14,447,000 |
| Equity capital | 12,413,000 | 12,391,000 | 12,757,000 | 12,708,000 |
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 | 1,581,000 | 3,153,000 | 4,756,000 | 6,344,000 |
| Interest expense | 475,000 | 928,000 | 1,342,000 | 1,717,000 |
| Net interest income | 1,106,000 | 2,225,000 | 3,414,000 | 4,627,000 |
| Noninterest income | 103,000 | 206,000 | 331,000 | 443,000 |
| Noninterest expense | 924,000 | 1,910,000 | 2,864,000 | 3,707,000 |
| Provision for loan losses | 16,000 | 90,000 | 210,000 | 519,000 |
| Pretax income | 269,000 | 431,000 | 671,000 | 844,000 |
| Income tax | 53,000 | 64,000 | 110,000 | 132,000 |
| Net income | 216,000 | 367,000 | 561,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,985,000 | 12,069,000 | 12,150,000 | 12,228,000 |
| Total capital | 12,899,000 | 13,044,000 | 13,008,000 | 13,191,000 |
| Risk-weighted assets | 72,979,000 | 77,909,000 | 76,795,000 | 76,851,000 |