Call reports 2009
BANK OF CARBONDALE, THE — 2009
What BANK OF CARBONDALE, 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 | 162,415,000 | 174,127,000 | 176,451,000 | 182,627,000 |
| Total loans | 118,819,000 | 124,507,000 | 116,323,000 | 119,675,000 |
| Allowance for loan losses | 2,628,000 | 2,766,000 | 2,893,000 | 2,512,000 |
| Securities available for sale | 29,969,000 | 29,671,000 | 43,057,000 | 44,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,028,000 | 140,766,000 | 142,552,000 | 151,077,000 |
| Interest-bearing deposits | 116,591,000 | 120,935,000 | 124,940,000 | 133,589,000 |
| Noninterest-bearing deposits | 17,437,000 | 19,831,000 | 17,612,000 | 17,488,000 |
| Equity capital | 16,704,000 | 17,042,000 | 17,562,000 | 17,787,000 |
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 | 2,186,000 | 4,330,000 | 6,495,000 | 8,647,000 |
| Interest expense | 620,000 | 1,252,000 | 1,917,000 | 2,557,000 |
| Net interest income | 1,566,000 | 3,078,000 | 4,578,000 | 6,090,000 |
| Noninterest income | 270,000 | 542,000 | 792,000 | 1,065,000 |
| Noninterest expense | 1,016,000 | 2,104,000 | 3,179,000 | 4,316,000 |
| Provision for loan losses | 130,000 | 280,000 | 430,000 | 580,000 |
| Pretax income | 694,000 | 1,240,000 | 1,765,000 | 2,287,000 |
| Income tax | 252,000 | 443,000 | 627,000 | 784,000 |
| Net income | 442,000 | 797,000 | 1,138,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,464,000 | 16,781,000 | 17,122,000 | 17,412,000 |
| Total capital | 17,953,000 | 18,309,000 | 18,618,000 | 18,946,000 |
| Risk-weighted assets | 125,669,000 | 132,659,000 | 125,995,000 | 129,484,000 |
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