Call reports 2009
BAKER BOYER NATIONAL BANK — 2009
What BAKER BOYER NATIONAL 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 | 428,578,000 | 434,280,000 | 431,318,000 | 449,283,000 |
| Total loans | 288,007,000 | 298,524,000 | 301,609,000 | 298,077,000 |
| Allowance for loan losses | 4,301,000 | 4,493,000 | 4,979,000 | 5,183,000 |
| Securities available for sale | 51,751,000 | 50,570,000 | 47,198,000 | 49,520,000 |
| Securities held to maturity | 14,990,000 | 14,349,000 | 14,174,000 | 12,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,761,000 | 366,163,000 | 367,133,000 | 390,200,000 |
| Interest-bearing deposits | 280,735,000 | 289,984,000 | 286,312,000 | 311,954,000 |
| Noninterest-bearing deposits | 73,026,000 | 76,179,000 | 80,821,000 | 78,246,000 |
| Equity capital | 35,266,000 | 35,752,000 | 36,497,000 | 36,912,000 |
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 | 5,460,000 | 11,124,000 | 16,737,000 | 22,254,000 |
| Interest expense | 1,135,000 | 2,233,000 | 3,266,000 | 4,245,000 |
| Net interest income | 4,325,000 | 8,891,000 | 13,471,000 | 18,009,000 |
| Noninterest income | 1,806,000 | 3,631,000 | 5,506,000 | 8,063,000 |
| Noninterest expense | 4,329,000 | 8,990,000 | 13,435,000 | 18,282,000 |
| Provision for loan losses | 206,000 | 412,000 | 743,000 | 1,149,000 |
| Pretax income | 1,596,000 | 3,120,000 | 4,799,000 | 6,641,000 |
| Income tax | 410,000 | 772,000 | 1,184,000 | 1,760,000 |
| Net income | 1,186,000 | 2,348,000 | 3,615,000 | 4,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,940,000 | 35,203,000 | 35,820,000 | 36,185,000 |
| Total capital | 39,007,000 | 39,464,000 | 40,166,000 | 40,459,000 |
| Risk-weighted assets | 325,157,000 | 340,672,000 | 347,074,000 | 352,341,000 |