Call reports 2009
SUNCREST BANK — 2009
What SUNCREST 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 | 57,573,000 | 62,533,000 | 62,763,000 | 70,142,000 |
| Total loans | 23,355,000 | 36,448,000 | 41,336,000 | 45,648,000 |
| Allowance for loan losses | 370,000 | 445,000 | 575,000 | 765,000 |
| Securities available for sale | 1,000,000 | 1,004,000 | 1,003,000 | 3,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,085,000 | 47,498,000 | 48,169,000 | 55,740,000 |
| Interest-bearing deposits | 34,665,000 | 36,496,000 | 35,562,000 | 43,775,000 |
| Noninterest-bearing deposits | 7,420,000 | 11,002,000 | 12,607,000 | 11,965,000 |
| Equity capital | 15,306,000 | 14,783,000 | 14,334,000 | 14,047,000 |
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 | 442,000 | 1,012,000 | 1,689,000 | 2,444,000 |
| Interest expense | 163,000 | 321,000 | 453,000 | 594,000 |
| Net interest income | 279,000 | 691,000 | 1,236,000 | 1,850,000 |
| Noninterest income | 4,000 | 16,000 | 25,000 | 204,000 |
| Noninterest expense | 918,000 | 1,850,000 | 2,782,000 | 3,712,000 |
| Provision for loan losses | 75,000 | 150,000 | 280,000 | 495,000 |
| Pretax income | -710,000 | -1,293,000 | -1,801,000 | -2,153,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -710,000 | -1,294,000 | -1,802,000 | -2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,306,000 | 14,783,000 | 14,334,000 | 14,046,000 |
| Total capital | 15,676,000 | 15,236,000 | 14,917,000 | 14,819,000 |
| Risk-weighted assets | 34,681,000 | 45,641,000 | 49,366,000 | 55,794,000 |
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