Call reports 2009
BANK OF MODESTO — 2009
What BANK OF MODESTO 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 | 37,514,000 | 37,302,000 | 36,468,000 | 37,988,000 |
| Total loans | 21,178,000 | 20,376,000 | 20,885,000 | 22,106,000 |
| Allowance for loan losses | 207,000 | 216,000 | 222,000 | 168,000 |
| Securities available for sale | 250,000 | 0 | 0 | 0 |
| Securities held to maturity | 9,914,000 | 12,752,000 | 11,893,000 | 11,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,764,000 | 33,521,000 | 32,637,000 | 34,217,000 |
| Interest-bearing deposits | 29,400,000 | 29,033,000 | 28,485,000 | 29,529,000 |
| Noninterest-bearing deposits | 4,364,000 | 4,488,000 | 4,152,000 | 4,688,000 |
| Equity capital | 3,608,000 | 3,661,000 | 3,714,000 | 3,680,000 |
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 | 448,000 | 876,000 | 1,304,000 | 1,729,000 |
| Interest expense | 133,000 | 258,000 | 375,000 | 478,000 |
| Net interest income | 315,000 | 618,000 | 929,000 | 1,251,000 |
| Noninterest income | 24,000 | 63,000 | 95,000 | 128,000 |
| Noninterest expense | 256,000 | 486,000 | 732,000 | 1,043,000 |
| Provision for loan losses | -8,000 | 15,000 | 23,000 | 65,000 |
| Pretax income | 91,000 | 180,000 | 269,000 | 271,000 |
| Income tax | 21,000 | 57,000 | 92,000 | 68,000 |
| Net income | 70,000 | 123,000 | 177,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,074,000 | 3,146,000 | 3,218,000 | 3,203,000 |
| Total capital | 3,281,000 | 3,362,000 | 3,440,000 | 3,371,000 |
| Risk-weighted assets | 24,858,000 | 24,545,000 | 25,027,000 | 26,666,000 |
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