Call reports 2009
SANGER BANK — 2009
What SANGER 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 | 94,336,000 | 88,850,000 | 91,816,000 | 93,699,000 |
| Total loans | 58,328,000 | 60,349,000 | 59,896,000 | 59,690,000 |
| Allowance for loan losses | 488,000 | 640,000 | 626,000 | 694,000 |
| Securities available for sale | 1,476,000 | 2,629,000 | 3,157,000 | 3,929,000 |
| Securities held to maturity | 15,918,000 | 12,614,000 | 12,834,000 | 12,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,180,000 | 78,672,000 | 81,290,000 | 83,481,000 |
| Interest-bearing deposits | 68,695,000 | 63,839,000 | 67,041,000 | 68,282,000 |
| Noninterest-bearing deposits | 15,485,000 | 14,833,000 | 14,249,000 | 15,199,000 |
| Equity capital | 9,750,000 | 9,771,000 | 10,090,000 | 10,020,000 |
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 | 1,434,000 | 2,862,000 | 4,265,000 | 5,623,000 |
| Interest expense | 450,000 | 850,000 | 1,220,000 | 1,558,000 |
| Net interest income | 984,000 | 2,012,000 | 3,045,000 | 4,065,000 |
| Noninterest income | 200,000 | 361,000 | 555,000 | 711,000 |
| Noninterest expense | 752,000 | 1,528,000 | 2,305,000 | 3,061,000 |
| Provision for loan losses | 75,000 | 230,000 | 250,000 | 345,000 |
| Pretax income | 357,000 | 615,000 | 1,045,000 | 1,370,000 |
| Income tax | 85,000 | 292,000 | 422,000 | 565,000 |
| Net income | 272,000 | 323,000 | 623,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,732,000 | 9,783,000 | 10,083,000 | 10,025,000 |
| Total capital | 10,220,000 | 10,423,000 | 10,709,000 | 10,719,000 |
| Risk-weighted assets | 66,011,000 | 62,616,000 | 66,269,000 | 66,138,000 |
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