Call reports 2009
LOCAL BANK — 2009
What LOCAL 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 | 98,660,000 | 96,563,000 | 97,205,000 | 97,767,000 |
| Total loans | 66,115,000 | 66,427,000 | 67,644,000 | 66,621,000 |
| Allowance for loan losses | 656,000 | 672,000 | 963,000 | 987,000 |
| Securities available for sale | 19,657,000 | 17,503,000 | 19,719,000 | 19,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,610,000 | 85,638,000 | 89,170,000 | 88,911,000 |
| Interest-bearing deposits | 76,523,000 | 75,061,000 | 77,836,000 | 77,552,000 |
| Noninterest-bearing deposits | 11,087,000 | 10,577,000 | 11,334,000 | 11,359,000 |
| Equity capital | 6,973,000 | 6,909,000 | 7,527,000 | 7,467,000 |
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 | 1,503,000 | 2,987,000 | 4,546,000 | 6,051,000 |
| Interest expense | 479,000 | 911,000 | 1,302,000 | 1,656,000 |
| Net interest income | 1,024,000 | 2,076,000 | 3,244,000 | 4,395,000 |
| Noninterest income | 141,000 | 277,000 | 661,000 | 800,000 |
| Noninterest expense | 892,000 | 1,819,000 | 2,828,000 | 3,813,000 |
| Provision for loan losses | 83,000 | 146,000 | 442,000 | 495,000 |
| Pretax income | 190,000 | 388,000 | 635,000 | 887,000 |
| Income tax | 39,000 | 79,000 | 154,000 | 217,000 |
| Net income | 151,000 | 309,000 | 481,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,042,000 | 7,047,000 | 7,529,000 | 7,561,000 |
| Total capital | 7,698,000 | 7,719,000 | 8,327,000 | 8,348,000 |
| Risk-weighted assets | 61,451,000 | 62,568,000 | 63,651,000 | 62,754,000 |