Call reports 2009
STOCK GROWERS BANK — 2009
What STOCK GROWERS 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 | 77,403,000 | 77,101,000 | 75,109,000 | 82,208,000 |
| Total loans | 41,240,000 | 43,156,000 | 45,208,000 | 46,025,000 |
| Allowance for loan losses | 420,000 | 181,000 | 183,000 | 183,000 |
| Securities available for sale | 26,312,000 | 26,161,000 | 25,879,000 | 24,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,727,000 | 66,768,000 | 63,859,000 | 71,072,000 |
| Interest-bearing deposits | 55,026,000 | 54,999,000 | 52,584,000 | 55,884,000 |
| Noninterest-bearing deposits | 12,701,000 | 11,769,000 | 11,275,000 | 15,188,000 |
| Equity capital | 9,368,000 | 10,009,000 | 10,898,000 | 10,841,000 |
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 | 938,000 | 1,861,000 | 2,817,000 | 3,759,000 |
| Interest expense | 245,000 | 473,000 | 691,000 | 888,000 |
| Net interest income | 693,000 | 1,388,000 | 2,126,000 | 2,871,000 |
| Noninterest income | 60,000 | 133,000 | 215,000 | 298,000 |
| Noninterest expense | 245,000 | 524,000 | 916,000 | 1,604,000 |
| Provision for loan losses | -31,000 | -271,000 | -268,000 | -268,000 |
| Pretax income | 539,000 | 1,218,000 | 1,643,000 | 1,783,000 |
| Income tax | 38,000 | 85,000 | 85,000 | 115,000 |
| Net income | 501,000 | 1,133,000 | 1,558,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,007,000 | 9,640,000 | 10,059,000 | 10,169,000 |
| Total capital | 9,427,000 | 9,821,000 | 10,242,000 | 10,352,000 |
| Risk-weighted assets | 53,939,000 | 55,269,000 | 56,461,000 | 57,042,000 |