Call reports 2009
STATE CENTRAL BANK — 2009
What STATE CENTRAL 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 | 275,544,000 | 269,854,000 | 263,250,000 | 252,721,000 |
| Total loans | 230,109,000 | 221,524,000 | 215,077,000 | 206,331,000 |
| Allowance for loan losses | 3,688,000 | 3,512,000 | 4,604,000 | 3,605,000 |
| Securities available for sale | 10,054,000 | 9,981,000 | 13,906,000 | 9,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,446,000 | 231,330,000 | 225,130,000 | 222,662,000 |
| Interest-bearing deposits | 213,803,000 | 207,114,000 | 202,611,000 | 198,125,000 |
| Noninterest-bearing deposits | 23,643,000 | 24,216,000 | 22,519,000 | 24,537,000 |
| Equity capital | 22,012,000 | 22,231,000 | 22,258,000 | 22,066,000 |
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 | 3,612,000 | 7,176,000 | 10,648,000 | 13,926,000 |
| Interest expense | 1,541,000 | 2,946,000 | 4,213,000 | 5,456,000 |
| Net interest income | 2,071,000 | 4,230,000 | 6,435,000 | 8,470,000 |
| Noninterest income | 652,000 | 1,299,000 | 2,197,000 | 2,742,000 |
| Noninterest expense | 1,885,000 | 3,957,000 | 5,862,000 | 7,787,000 |
| Provision for loan losses | 1,093,000 | 1,743,000 | 3,049,000 | 3,849,000 |
| Pretax income | -255,000 | -188,000 | -296,000 | -561,000 |
| Income tax | -35,000 | -54,000 | -35,000 | -71,000 |
| Net income | -220,000 | -134,000 | -261,000 | -490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,917,000 | 20,929,000 | 20,801,000 | 20,527,000 |
| Total capital | 23,791,000 | 23,722,000 | 23,554,000 | 23,167,000 |
| Risk-weighted assets | 229,114,000 | 222,714,000 | 218,367,000 | 210,258,000 |