Call reports 2009
FINANCE FACTORS, LIMITED — 2009
What FINANCE FACTORS, LIMITED 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 | 705,381,000 | 701,023,000 | 671,259,000 | 653,095,000 |
| Total loans | 498,076,000 | 473,472,000 | 448,245,000 | 425,376,000 |
| Allowance for loan losses | 7,227,000 | 8,154,000 | 7,575,000 | 10,570,000 |
| Securities available for sale | 133,706,000 | 147,619,000 | 141,442,000 | 136,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,994,000 | 524,013,000 | 510,784,000 | 502,213,000 |
| Interest-bearing deposits | 506,046,000 | 523,465,000 | 510,346,000 | 501,564,000 |
| Noninterest-bearing deposits | 2,948,000 | 548,000 | 438,000 | 649,000 |
| Equity capital | 65,364,000 | 64,461,000 | 65,100,000 | 64,189,000 |
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 | 9,719,000 | 18,890,000 | 27,442,000 | 35,152,000 |
| Interest expense | 4,698,000 | 9,197,000 | 13,138,000 | 16,563,000 |
| Net interest income | 5,021,000 | 9,693,000 | 14,304,000 | 18,589,000 |
| Noninterest income | 691,000 | 1,491,000 | 1,387,000 | 1,338,000 |
| Noninterest expense | 3,745,000 | 8,152,000 | 11,959,000 | 16,055,000 |
| Provision for loan losses | 800,000 | 3,500,000 | 5,200,000 | 12,900,000 |
| Pretax income | 998,000 | -452,000 | -1,610,000 | -9,463,000 |
| Income tax | 246,000 | -554,000 | -1,095,000 | -4,380,000 |
| Net income | 752,000 | 102,000 | -515,000 | -5,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,161,000 | 62,863,000 | 62,683,000 | 62,278,000 |
| Total capital | 70,238,000 | 69,897,000 | 69,313,000 | 68,661,000 |
| Risk-weighted assets | 566,040,000 | 561,571,000 | 529,363,000 | 506,352,000 |
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