Call reports 2009
STATE BANK OF DOWNS — 2009
What STATE BANK OF DOWNS 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 | 59,900,000 | 58,918,000 | 60,709,000 | 58,094,000 |
| Total loans | 51,552,000 | 49,318,000 | 47,791,000 | 48,842,000 |
| Allowance for loan losses | 711,000 | 711,000 | 511,000 | 696,000 |
| Securities available for sale | 2,172,000 | 153,000 | 973,000 | 927,000 |
| Securities held to maturity | 794,000 | 858,000 | 945,000 | 1,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,095,000 | 43,562,000 | 45,467,000 | 43,405,000 |
| Interest-bearing deposits | 35,011,000 | 35,253,000 | 35,293,000 | 34,546,000 |
| Noninterest-bearing deposits | 7,084,000 | 8,309,000 | 10,174,000 | 8,859,000 |
| Equity capital | 8,139,000 | 8,187,000 | 8,108,000 | 7,600,000 |
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 | 887,000 | 1,724,000 | 2,597,000 | 3,424,000 |
| Interest expense | 286,000 | 565,000 | 815,000 | 1,062,000 |
| Net interest income | 601,000 | 1,159,000 | 1,782,000 | 2,362,000 |
| Noninterest income | 15,000 | 28,000 | 47,000 | 59,000 |
| Noninterest expense | 441,000 | 951,000 | 1,389,000 | 2,018,000 |
| Provision for loan losses | 40,000 | 50,000 | 325,000 | 775,000 |
| Pretax income | 135,000 | 186,000 | 115,000 | -372,000 |
| Income tax | 0 | 0 | 3,000 | 3,000 |
| Net income | 135,000 | 186,000 | 112,000 | -375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,133,000 | 8,184,000 | 8,110,000 | 7,623,000 |
| Total capital | 8,797,000 | 8,836,000 | 8,621,000 | 8,280,000 |
| Risk-weighted assets | 53,062,000 | 52,064,000 | 52,357,000 | 52,487,000 |
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