Call reports 2009
STURDY SAVINGS BANK — 2009
What STURDY SAVINGS 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 | 463,511,000 | 462,622,000 | 480,657,000 | 494,747,000 |
| Total loans | 325,967,000 | 327,938,000 | 322,921,000 | 325,931,000 |
| Allowance for loan losses | 3,398,000 | 3,237,000 | 3,124,000 | 3,046,000 |
| Securities available for sale | 27,944,000 | 27,376,000 | 27,555,000 | 35,989,000 |
| Securities held to maturity | 47,614,000 | 50,989,000 | 55,428,000 | 57,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,705,000 | 382,147,000 | 399,926,000 | 411,161,000 |
| Interest-bearing deposits | 338,878,000 | 340,540,000 | 361,547,000 | 380,368,000 |
| Noninterest-bearing deposits | 34,827,000 | 41,607,000 | 38,379,000 | 30,793,000 |
| Equity capital | 55,578,000 | 56,606,000 | 57,976,000 | 58,442,000 |
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 | 5,687,000 | 11,284,000 | 16,774,000 | 22,251,000 |
| Interest expense | 1,304,000 | 2,510,000 | 3,687,000 | 4,796,000 |
| Net interest income | 4,383,000 | 8,774,000 | 13,087,000 | 17,455,000 |
| Noninterest income | 546,000 | 1,256,000 | 1,835,000 | 2,434,000 |
| Noninterest expense | 3,587,000 | 7,615,000 | 11,372,000 | 15,381,000 |
| Provision for loan losses | 234,000 | -22,000 | -127,000 | 113,000 |
| Pretax income | 1,108,000 | 2,437,000 | 3,677,000 | 4,395,000 |
| Income tax | 338,000 | 761,000 | 1,151,000 | 1,334,000 |
| Net income | 770,000 | 1,676,000 | 2,526,000 | 3,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,568,000 | 53,616,000 | 54,749,000 | 55,032,000 |
| Total capital | 55,966,000 | 56,853,000 | 57,873,000 | 58,078,000 |
| Risk-weighted assets | 323,646,000 | 326,618,000 | 322,704,000 | 330,136,000 |
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