Call reports 2009
PENDER STATE BANK — 2009
What PENDER STATE 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 | 114,540,000 | 119,944,000 | 119,308,000 | 121,655,000 |
| Total loans | 103,216,000 | 108,831,000 | 108,135,000 | 109,462,000 |
| Allowance for loan losses | 1,322,000 | 1,323,000 | 1,324,000 | 1,319,000 |
| Securities available for sale | 1,790,000 | 1,726,000 | 1,600,000 | 1,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,497,000 | 98,990,000 | 96,220,000 | 100,817,000 |
| Interest-bearing deposits | 81,390,000 | 85,192,000 | 85,492,000 | 88,626,000 |
| Noninterest-bearing deposits | 14,107,000 | 13,798,000 | 10,728,000 | 12,191,000 |
| Equity capital | 16,269,000 | 17,834,000 | 17,229,000 | 17,379,000 |
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 | 1,428,000 | 2,928,000 | 4,484,000 | 6,066,000 |
| Interest expense | 547,000 | 1,051,000 | 1,542,000 | 1,994,000 |
| Net interest income | 881,000 | 1,877,000 | 2,942,000 | 4,072,000 |
| Noninterest income | 50,000 | 104,000 | 151,000 | 194,000 |
| Noninterest expense | 539,000 | 1,137,000 | 1,710,000 | 2,324,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 392,000 | 844,000 | 1,383,000 | 1,942,000 |
| Income tax | 11,000 | 23,000 | 37,000 | 50,000 |
| Net income | 381,000 | 821,000 | 1,346,000 | 1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,935,000 | 11,538,000 | 10,923,000 | 11,002,000 |
| Total capital | 11,257,000 | 12,861,000 | 12,247,000 | 12,321,000 |
| Risk-weighted assets | 106,732,000 | 111,040,000 | 110,644,000 | 115,009,000 |
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