Call reports 2009
BANK OF BEAVER CITY, THE — 2009
What BANK OF BEAVER CITY, THE 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 | 124,882,000 | 120,964,000 | 125,353,000 | 128,594,000 |
| Total loans | 76,633,000 | 79,636,000 | 80,611,000 | 83,214,000 |
| Allowance for loan losses | 848,000 | 839,000 | 827,000 | 1,062,000 |
| Securities available for sale | 30,186,000 | 29,320,000 | 29,838,000 | 33,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,746,000 | 106,924,000 | 110,764,000 | 114,737,000 |
| Interest-bearing deposits | 99,390,000 | 97,089,000 | 100,314,000 | 103,966,000 |
| Noninterest-bearing deposits | 11,356,000 | 9,835,000 | 10,450,000 | 10,771,000 |
| Equity capital | 8,749,000 | 8,701,000 | 9,332,000 | 8,787,000 |
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 | 1,634,000 | 3,283,000 | 4,954,000 | 6,650,000 |
| Interest expense | 731,000 | 1,424,000 | 2,114,000 | 2,803,000 |
| Net interest income | 903,000 | 1,859,000 | 2,840,000 | 3,847,000 |
| Noninterest income | 85,000 | 207,000 | 338,000 | 519,000 |
| Noninterest expense | 737,000 | 1,595,000 | 2,477,000 | 3,312,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 780,000 |
| Pretax income | 238,000 | 508,000 | 872,000 | 476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 508,000 | 872,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,543,000 | 8,690,000 | 8,809,000 | 8,395,000 |
| Total capital | 9,391,000 | 9,529,000 | 9,636,000 | 9,457,000 |
| Risk-weighted assets | 83,318,000 | 84,944,000 | 85,288,000 | 87,899,000 |