Call reports 2009
STATE BANK OF GRAYMONT — 2009
What STATE BANK OF GRAYMONT 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 | 127,860,000 | 135,251,000 | 140,983,000 | 144,865,000 |
| Total loans | 74,719,000 | 71,067,000 | 74,819,000 | 77,819,000 |
| Allowance for loan losses | 585,000 | 552,000 | 525,000 | 581,000 |
| Securities available for sale | 42,805,000 | 48,403,000 | 52,810,000 | 51,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,032,000 | 121,010,000 | 126,688,000 | 129,958,000 |
| Interest-bearing deposits | 103,247,000 | 111,077,000 | 116,866,000 | 117,541,000 |
| Noninterest-bearing deposits | 10,785,000 | 9,933,000 | 9,822,000 | 12,417,000 |
| Equity capital | 11,717,000 | 12,109,000 | 12,485,000 | 13,020,000 |
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 | 1,646,000 | 3,280,000 | 4,947,000 | 6,664,000 |
| Interest expense | 746,000 | 1,482,000 | 2,208,000 | 2,916,000 |
| Net interest income | 900,000 | 1,798,000 | 2,739,000 | 3,748,000 |
| Noninterest income | 226,000 | 438,000 | 586,000 | 757,000 |
| Noninterest expense | 561,000 | 1,253,000 | 2,061,000 | 2,996,000 |
| Provision for loan losses | 130,000 | 130,000 | 155,000 | 195,000 |
| Pretax income | 445,000 | 863,000 | 1,119,000 | 1,306,000 |
| Income tax | 111,000 | 214,000 | 271,000 | 249,000 |
| Net income | 334,000 | 649,000 | 848,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,684,000 | 10,999,000 | 11,198,000 | 11,407,000 |
| Total capital | 11,427,000 | 11,891,000 | 12,029,000 | 12,413,000 |
| Risk-weighted assets | 86,704,000 | 86,589,000 | 91,749,000 | 95,346,000 |
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