Call reports 2009
BANK OF BEARDEN — 2009
What BANK OF BEARDEN 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 | 31,388,000 | 33,606,000 | 33,022,000 | 33,772,000 |
| Total loans | 22,039,000 | 23,311,000 | 23,975,000 | 23,938,000 |
| Allowance for loan losses | 244,000 | 247,000 | 250,000 | 251,000 |
| Securities available for sale | 2,983,000 | 2,714,000 | 2,086,000 | 1,948,000 |
| Securities held to maturity | 2,046,000 | 1,519,000 | 2,053,000 | 1,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,881,000 | 27,755,000 | 27,047,000 | 27,659,000 |
| Interest-bearing deposits | 19,547,000 | 20,497,000 | 20,243,000 | 21,440,000 |
| Noninterest-bearing deposits | 5,334,000 | 7,258,000 | 6,804,000 | 6,219,000 |
| Equity capital | 5,777,000 | 5,791,000 | 5,915,000 | 5,716,000 |
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 | 420,000 | 820,000 | 1,215,000 | 1,610,000 |
| Interest expense | 93,000 | 171,000 | 251,000 | 331,000 |
| Net interest income | 327,000 | 649,000 | 964,000 | 1,279,000 |
| Noninterest income | 26,000 | 42,000 | 77,000 | 102,000 |
| Noninterest expense | 197,000 | 399,000 | 608,000 | 839,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 18,000 |
| Pretax income | 153,000 | 286,000 | 424,000 | 524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 286,000 | 424,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,785,000 | 5,824,000 | 5,902,000 | 5,710,000 |
| Total capital | 6,029,000 | 6,071,000 | 6,152,000 | 5,961,000 |
| Risk-weighted assets | 21,803,000 | 23,001,000 | 23,487,000 | 23,512,000 |
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