Call reports 2009
GLADEWATER NATIONAL BANK — 2009
What GLADEWATER 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 | 27,692,000 | 27,670,000 | 28,673,000 | 28,160,000 |
| Total loans | 15,925,000 | 15,564,000 | 16,507,000 | 16,926,000 |
| Allowance for loan losses | 732,000 | 729,000 | 677,000 | 478,000 |
| Securities available for sale | 1,997,000 | 1,909,000 | 1,842,000 | 1,305,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,081,000 | 24,052,000 | 25,014,000 | 24,528,000 |
| Interest-bearing deposits | 19,008,000 | 19,163,000 | 19,115,000 | 19,790,000 |
| Noninterest-bearing deposits | 5,073,000 | 4,889,000 | 5,899,000 | 4,738,000 |
| Equity capital | 3,452,000 | 3,472,000 | 3,527,000 | 3,477,000 |
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 | 340,000 | 663,000 | 989,000 | 1,312,000 |
| Interest expense | 90,000 | 173,000 | 246,000 | 312,000 |
| Net interest income | 250,000 | 490,000 | 743,000 | 1,000,000 |
| Noninterest income | 82,000 | 152,000 | 221,000 | 272,000 |
| Noninterest expense | 323,000 | 600,000 | 876,000 | 1,183,000 |
| Provision for loan losses | 217,000 | 217,000 | 217,000 | 217,000 |
| Pretax income | -208,000 | -175,000 | -129,000 | -128,000 |
| Income tax | -79,000 | -79,000 | -79,000 | -32,000 |
| Net income | -129,000 | -96,000 | -50,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,426,000 | 3,459,000 | 3,505,000 | 3,454,000 |
| Total capital | 3,664,000 | 3,704,000 | 3,735,000 | 3,692,000 |
| Risk-weighted assets | 18,541,000 | 18,392,000 | 17,983,000 | 18,833,000 |
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