Call reports 2009
STATE BANK & TRUST OF KENMARE — 2009
What STATE BANK & TRUST OF KENMARE 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 | 86,242,000 | 92,037,000 | 93,077,000 | 94,123,000 |
| Total loans | 57,683,000 | 64,316,000 | 66,035,000 | 66,600,000 |
| Allowance for loan losses | 904,000 | 923,000 | 602,000 | 627,000 |
| Securities available for sale | 21,106,000 | 20,609,000 | 20,457,000 | 19,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,504,000 | 77,648,000 | 75,686,000 | 78,588,000 |
| Interest-bearing deposits | 71,325,000 | 70,285,000 | 69,035,000 | 71,203,000 |
| Noninterest-bearing deposits | 6,179,000 | 7,363,000 | 6,651,000 | 7,385,000 |
| Equity capital | 6,225,000 | 6,469,000 | 6,521,000 | 6,585,000 |
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 | 994,000 | 2,006,000 | 3,059,000 | 4,130,000 |
| Interest expense | 392,000 | 769,000 | 1,133,000 | 1,484,000 |
| Net interest income | 602,000 | 1,237,000 | 1,926,000 | 2,646,000 |
| Noninterest income | 25,000 | 78,000 | 108,000 | 148,000 |
| Noninterest expense | 444,000 | 857,000 | 1,413,000 | 2,091,000 |
| Provision for loan losses | 210,000 | 225,000 | 360,000 | 375,000 |
| Pretax income | -27,000 | 234,000 | 275,000 | 336,000 |
| Income tax | 21,000 | 16,000 | 18,000 | 24,000 |
| Net income | -48,000 | 218,000 | 257,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,181,000 | 6,442,000 | 6,479,000 | 6,532,000 |
| Total capital | 6,970,000 | 7,285,000 | 7,081,000 | 7,159,000 |
| Risk-weighted assets | 63,023,000 | 67,396,000 | 69,333,000 | 69,015,000 |
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