Call reports 2009
AREA BANK — 2009
What AREA 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 | 49,711,000 | 50,358,000 | 50,682,000 | 50,330,000 |
| Total loans | 24,120,000 | 23,849,000 | 24,404,000 | 26,116,000 |
| Allowance for loan losses | 574,000 | 571,000 | 600,000 | 557,000 |
| Securities available for sale | 21,253,000 | 20,135,000 | 21,858,000 | 19,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,427,000 | 43,838,000 | 43,274,000 | 44,038,000 |
| Interest-bearing deposits | 36,680,000 | 37,130,000 | 37,143,000 | 36,797,000 |
| Noninterest-bearing deposits | 6,747,000 | 6,708,000 | 6,131,000 | 7,241,000 |
| Equity capital | 4,414,000 | 4,638,000 | 5,014,000 | 4,431,000 |
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 | 663,000 | 1,290,000 | 1,917,000 | 2,550,000 |
| Interest expense | 250,000 | 500,000 | 737,000 | 956,000 |
| Net interest income | 413,000 | 790,000 | 1,180,000 | 1,594,000 |
| Noninterest income | 56,000 | 118,000 | 185,000 | 250,000 |
| Noninterest expense | 318,000 | 613,000 | 956,000 | 1,672,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 136,000 | 265,000 | 364,000 | 223,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 265,000 | 364,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,000,000 | 4,128,000 | 4,214,000 | 4,073,000 |
| Total capital | 4,304,000 | 4,444,000 | 4,546,000 | 4,443,000 |
| Risk-weighted assets | 24,053,000 | 25,030,000 | 26,332,000 | 29,449,000 |