Call reports 2009
SAVOY BANK — 2009
What SAVOY 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 | 62,419,000 | 56,969,000 | 61,177,000 | 61,218,000 |
| Total loans | 43,264,000 | 42,479,000 | 41,286,000 | 45,378,000 |
| Allowance for loan losses | 914,000 | 799,000 | 683,000 | 1,331,000 |
| Securities available for sale | 10,817,000 | 7,942,000 | 7,293,000 | 5,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,593,000 | 47,095,000 | 51,558,000 | 52,803,000 |
| Interest-bearing deposits | 47,973,000 | 43,600,000 | 47,263,000 | 49,043,000 |
| Noninterest-bearing deposits | 3,620,000 | 3,495,000 | 4,295,000 | 3,760,000 |
| Equity capital | 9,299,000 | 8,680,000 | 8,417,000 | 7,356,000 |
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 | 832,000 | 1,580,000 | 2,376,000 | 3,257,000 |
| Interest expense | 434,000 | 722,000 | 1,000,000 | 1,231,000 |
| Net interest income | 398,000 | 858,000 | 1,376,000 | 2,026,000 |
| Noninterest income | 6,000 | 17,000 | 25,000 | 35,000 |
| Noninterest expense | 978,000 | 2,034,000 | 2,842,000 | 3,987,000 |
| Provision for loan losses | 0 | 0 | 53,000 | 701,000 |
| Pretax income | -574,000 | -1,156,000 | -1,491,000 | -2,612,000 |
| Income tax | 2,000 | 8,000 | 14,000 | 19,000 |
| Net income | -576,000 | -1,164,000 | -1,505,000 | -2,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,209,000 | 8,618,000 | 8,278,000 | 7,152,000 |
| Total capital | 9,815,000 | 9,210,000 | 8,868,000 | 7,774,000 |
| Risk-weighted assets | 48,171,000 | 47,190,000 | 47,148,000 | 49,038,000 |
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