Call reports 2009
STATE BANK OF TOWNSEND, THE — 2009
What STATE BANK OF TOWNSEND, 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 | 39,669,000 | 41,362,000 | 40,742,000 | 40,435,000 |
| Total loans | 26,116,000 | 28,767,000 | 30,133,000 | 27,854,000 |
| Allowance for loan losses | 350,000 | 350,000 | 292,000 | 292,000 |
| Securities available for sale | 5,430,000 | 4,696,000 | 4,101,000 | 3,960,000 |
| Securities held to maturity | 16,000 | 15,000 | 15,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,119,000 | 36,661,000 | 35,931,000 | 35,524,000 |
| Interest-bearing deposits | 28,129,000 | 29,416,000 | 29,193,000 | 28,928,000 |
| Noninterest-bearing deposits | 6,990,000 | 7,245,000 | 6,738,000 | 6,596,000 |
| Equity capital | 4,195,000 | 4,338,000 | 4,451,000 | 4,270,000 |
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 | 581,000 | 1,198,000 | 1,785,000 | 2,430,000 |
| Interest expense | 127,000 | 248,000 | 365,000 | 474,000 |
| Net interest income | 454,000 | 950,000 | 1,420,000 | 1,956,000 |
| Noninterest income | 68,000 | 135,000 | 206,000 | 276,000 |
| Noninterest expense | 435,000 | 849,000 | 1,264,000 | 1,738,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 47,000 | 196,000 | 322,000 | 454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 47,000 | 196,000 | 322,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,110,000 | 4,259,000 | 4,317,000 | 4,149,000 |
| Total capital | 4,432,000 | 4,570,000 | 4,609,000 | 4,441,000 |
| Risk-weighted assets | 26,242,000 | 28,054,000 | 26,482,000 | 24,727,000 |