Call reports 2009
BANESCO USA — 2009
What BANESCO USA 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 | 225,606,000 | 226,652,000 | 242,443,000 | 262,000,000 |
| Total loans | 141,152,000 | 141,547,000 | 147,365,000 | 153,595,000 |
| Allowance for loan losses | 3,424,000 | 2,222,000 | 2,346,000 | 3,117,000 |
| Securities available for sale | 71,663,000 | 73,683,000 | 79,833,000 | 74,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,604,000 | 178,158,000 | 194,517,000 | 216,628,000 |
| Interest-bearing deposits | 150,014,000 | 153,493,000 | 166,152,000 | 180,596,000 |
| Noninterest-bearing deposits | 24,590,000 | 24,665,000 | 28,365,000 | 36,032,000 |
| Equity capital | 24,700,000 | 23,673,000 | 24,220,000 | 22,896,000 |
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 | 2,631,000 | 5,421,000 | 8,393,000 | 11,497,000 |
| Interest expense | 1,163,000 | 2,298,000 | 3,299,000 | 4,272,000 |
| Net interest income | 1,468,000 | 3,123,000 | 5,094,000 | 7,225,000 |
| Noninterest income | 81,000 | 190,000 | 336,000 | 458,000 |
| Noninterest expense | 1,456,000 | 3,273,000 | 5,152,000 | 7,131,000 |
| Provision for loan losses | 918,000 | 1,725,000 | 1,942,000 | 3,167,000 |
| Pretax income | 91,000 | -739,000 | -501,000 | -1,237,000 |
| Income tax | 0 | 10,000 | 10,000 | 10,000 |
| Net income | 91,000 | -749,000 | -511,000 | -1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,516,000 | 23,676,000 | 23,914,000 | 23,178,000 |
| Total capital | 26,324,000 | 25,472,000 | 25,849,000 | 25,231,000 |
| Risk-weighted assets | 143,028,000 | 143,219,000 | 154,325,000 | 163,061,000 |
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