Call reports 2009
STOUGHTON CO-OPERATIVE BANK — 2009
What STOUGHTON CO-OPERATIVE 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 | 102,466,000 | 104,965,000 | 106,683,000 | 105,469,000 |
| Total loans | 72,582,000 | 75,734,000 | 77,435,000 | 76,586,000 |
| Allowance for loan losses | 284,000 | 307,000 | 308,000 | 503,000 |
| Securities available for sale | 22,071,000 | 22,196,000 | 22,340,000 | 21,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,272,000 | 81,681,000 | 82,365,000 | 81,496,000 |
| Interest-bearing deposits | 77,629,000 | 80,044,000 | 81,281,000 | 80,244,000 |
| Noninterest-bearing deposits | 1,643,000 | 1,637,000 | 1,084,000 | 1,252,000 |
| Equity capital | 7,799,000 | 7,864,000 | 7,890,000 | 7,701,000 |
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 | 1,268,000 | 2,534,000 | 3,823,000 | 5,089,000 |
| Interest expense | 615,000 | 1,208,000 | 1,770,000 | 2,293,000 |
| Net interest income | 653,000 | 1,326,000 | 2,053,000 | 2,796,000 |
| Noninterest income | 38,000 | 77,000 | 112,000 | 136,000 |
| Noninterest expense | 616,000 | 1,255,000 | 1,865,000 | 2,551,000 |
| Provision for loan losses | 5,000 | 33,000 | 449,000 | 626,000 |
| Pretax income | 70,000 | 115,000 | -149,000 | -245,000 |
| Income tax | 20,000 | 31,000 | -51,000 | -91,000 |
| Net income | 50,000 | 84,000 | -98,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,690,000 | 7,724,000 | 7,542,000 | 7,486,000 |
| Total capital | 7,999,000 | 8,049,000 | 7,860,000 | 7,999,000 |
| Risk-weighted assets | 51,917,000 | 53,857,000 | 55,210,000 | 53,982,000 |
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