Call reports 2009
FIRST PERSONAL BANK — 2009
What FIRST PERSONAL 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 | 187,849,000 | 193,042,000 | 190,847,000 | 177,455,000 |
| Total loans | 140,275,000 | 142,237,000 | 138,692,000 | 132,734,000 |
| Allowance for loan losses | 1,760,000 | 1,829,000 | 1,855,000 | 3,077,000 |
| Securities available for sale | 15,413,000 | 17,412,000 | 16,591,000 | 9,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,546,000 | 164,638,000 | 163,057,000 | 154,591,000 |
| Interest-bearing deposits | 149,796,000 | 153,415,000 | 153,077,000 | 144,378,000 |
| Noninterest-bearing deposits | 9,750,000 | 11,223,000 | 9,980,000 | 10,213,000 |
| Equity capital | 14,074,000 | 13,951,000 | 14,013,000 | 12,735,000 |
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 | 2,347,000 | 4,708,000 | 7,108,000 | 9,385,000 |
| Interest expense | 1,134,000 | 2,294,000 | 3,430,000 | 4,273,000 |
| Net interest income | 1,213,000 | 2,414,000 | 3,678,000 | 5,112,000 |
| Noninterest income | 65,000 | 176,000 | 405,000 | 513,000 |
| Noninterest expense | 1,315,000 | 2,582,000 | 3,957,000 | 5,317,000 |
| Provision for loan losses | 450,000 | 810,000 | 985,000 | 3,224,000 |
| Pretax income | -487,000 | -802,000 | -859,000 | -2,812,000 |
| Income tax | -200,000 | -339,000 | -381,000 | -1,131,000 |
| Net income | -287,000 | -463,000 | -478,000 | -1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,812,000 | 13,638,000 | 13,620,000 | 11,167,000 |
| Total capital | 15,572,000 | 15,435,000 | 15,467,000 | 12,775,000 |
| Risk-weighted assets | 141,887,000 | 143,696,000 | 147,721,000 | 127,169,000 |
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