Call reports 2009
PREFERRED BANK — 2009
What PREFERRED BANK 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 | 54,458,000 | 55,912,000 | 54,825,000 | 53,149,000 |
| Total loans | 41,444,000 | 41,539,000 | 39,487,000 | 36,925,000 |
| Allowance for loan losses | 502,000 | 520,000 | 474,000 | 668,000 |
| Securities available for sale | 6,588,000 | 6,974,000 | 7,732,000 | 8,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,548,000 | 51,055,000 | 50,540,000 | 49,157,000 |
| Interest-bearing deposits | 46,833,000 | 48,306,000 | 47,686,000 | 45,951,000 |
| Noninterest-bearing deposits | 2,716,000 | 2,749,000 | 2,854,000 | 3,205,000 |
| Equity capital | 4,586,000 | 4,526,000 | 3,963,000 | 3,746,000 |
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 | 778,000 | 1,581,000 | 2,362,000 | 3,090,000 |
| Interest expense | 463,000 | 917,000 | 1,338,000 | 1,701,000 |
| Net interest income | 315,000 | 664,000 | 1,024,000 | 1,389,000 |
| Noninterest income | 32,000 | 93,000 | 134,000 | 140,000 |
| Noninterest expense | 321,000 | 665,000 | 1,024,000 | 1,426,000 |
| Provision for loan losses | 39,000 | 81,000 | 573,000 | 766,000 |
| Pretax income | -13,000 | 11,000 | -439,000 | -657,000 |
| Income tax | -1,000 | -3,000 | -5,000 | -7,000 |
| Net income | -12,000 | 14,000 | -434,000 | -650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,308,000 | 4,333,000 | 3,886,000 | 3,669,000 |
| Total capital | 4,810,000 | 4,853,000 | 4,360,000 | 4,150,000 |
| Risk-weighted assets | 42,523,000 | 42,660,000 | 40,936,000 | 38,308,000 |
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