Call reports 2009
COMMUNITY BANK, DESTIN — 2009
What COMMUNITY BANK, DESTIN 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 | 50,948,000 | 50,963,000 | 52,343,000 | 52,346,000 |
| Total loans | 26,061,000 | 28,330,000 | 36,185,000 | 35,462,000 |
| Allowance for loan losses | 235,000 | 335,000 | 446,000 | 399,000 |
| Securities available for sale | 6,332,000 | 3,065,000 | 2,036,000 | 2,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,500,000 | 41,830,000 | 43,569,000 | 44,397,000 |
| Interest-bearing deposits | 35,281,000 | 35,315,000 | 38,677,000 | 38,463,000 |
| Noninterest-bearing deposits | 6,219,000 | 6,515,000 | 4,892,000 | 5,934,000 |
| Equity capital | 9,157,000 | 8,731,000 | 8,344,000 | 7,689,000 |
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 | 427,000 | 839,000 | 1,329,000 | 1,864,000 |
| Interest expense | 237,000 | 481,000 | 710,000 | 909,000 |
| Net interest income | 190,000 | 358,000 | 619,000 | 955,000 |
| Noninterest income | 17,000 | 34,000 | 53,000 | 91,000 |
| Noninterest expense | 809,000 | 1,578,000 | 2,350,000 | 3,274,000 |
| Provision for loan losses | 0 | 100,000 | 211,000 | 711,000 |
| Pretax income | -602,000 | -1,286,000 | -1,886,000 | -2,936,000 |
| Income tax | -204,000 | -457,000 | -666,000 | -1,045,000 |
| Net income | -398,000 | -829,000 | -1,220,000 | -1,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,114,000 | 7,253,000 | 6,663,000 | 5,627,000 |
| Total capital | 9,349,000 | 7,588,000 | 7,109,000 | 6,026,000 |
| Risk-weighted assets | 47,643,000 | 38,763,000 | 43,839,000 | 42,345,000 |