Call reports 2009
BANK OF DELIGHT — 2009
What BANK OF DELIGHT 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 | 83,673,000 | 81,365,000 | 80,984,000 | 84,248,000 |
| Total loans | 44,544,000 | 48,822,000 | 53,322,000 | 49,903,000 |
| Allowance for loan losses | 923,000 | 922,000 | 926,000 | 937,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 1,258,000 |
| Securities held to maturity | 20,008,000 | 19,647,000 | 18,801,000 | 17,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,930,000 | 65,460,000 | 64,680,000 | 68,084,000 |
| Interest-bearing deposits | 62,189,000 | 60,081,000 | 59,438,000 | 61,908,000 |
| Noninterest-bearing deposits | 5,741,000 | 5,379,000 | 5,242,000 | 6,176,000 |
| Equity capital | 15,412,000 | 15,605,000 | 15,890,000 | 15,893,000 |
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 | 1,038,000 | 2,094,000 | 3,114,000 | 4,148,000 |
| Interest expense | 307,000 | 601,000 | 877,000 | 1,151,000 |
| Net interest income | 731,000 | 1,493,000 | 2,237,000 | 2,997,000 |
| Noninterest income | 27,000 | 54,000 | 81,000 | 106,000 |
| Noninterest expense | 422,000 | 797,000 | 1,158,000 | 1,625,000 |
| Provision for loan losses | 0 | 0 | 0 | 270,000 |
| Pretax income | 335,000 | 738,000 | 1,148,000 | 1,215,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 335,000 | 738,000 | 1,148,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,412,000 | 15,605,000 | 15,890,000 | 15,895,000 |
| Total capital | 16,017,000 | 16,252,000 | 16,577,000 | 16,568,000 |
| Risk-weighted assets | 48,052,000 | 50,867,000 | 54,751,000 | 53,610,000 |