Call reports 2009
FRIEND BANK — 2009
What FRIEND 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 | 69,450,000 | 71,439,000 | 73,181,000 | 75,373,000 |
| Total loans | 46,408,000 | 49,094,000 | 49,522,000 | 49,516,000 |
| Allowance for loan losses | 594,000 | 707,000 | 764,000 | 666,000 |
| Securities available for sale | 18,799,000 | 17,067,000 | 16,409,000 | 15,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,314,000 | 54,339,000 | 58,477,000 | 61,363,000 |
| Interest-bearing deposits | 44,040,000 | 48,122,000 | 51,673,000 | 54,198,000 |
| Noninterest-bearing deposits | 6,274,000 | 6,217,000 | 6,804,000 | 7,165,000 |
| Equity capital | 6,572,000 | 6,815,000 | 7,228,000 | 7,072,000 |
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 | 960,000 | 1,941,000 | 2,948,000 | 3,965,000 |
| Interest expense | 296,000 | 566,000 | 840,000 | 1,110,000 |
| Net interest income | 664,000 | 1,375,000 | 2,108,000 | 2,855,000 |
| Noninterest income | 123,000 | 256,000 | 373,000 | 499,000 |
| Noninterest expense | 471,000 | 996,000 | 1,548,000 | 2,207,000 |
| Provision for loan losses | 88,000 | 228,000 | 287,000 | 511,000 |
| Pretax income | 228,000 | 401,000 | 643,000 | 633,000 |
| Income tax | 16,000 | 28,000 | 34,000 | 1,000 |
| Net income | 212,000 | 373,000 | 609,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,310,000 | 7,304,000 | 7,398,000 | 7,280,000 |
| Total capital | 7,883,000 | 7,904,000 | 8,006,000 | 7,891,000 |
| Risk-weighted assets | 45,813,000 | 47,861,000 | 48,514,000 | 48,843,000 |