Call reports 2009
BREDA SAVINGS BANK — 2009
What BREDA SAVINGS 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 | 30,337,000 | 29,357,000 | 30,995,000 | 33,103,000 |
| Total loans | 16,859,000 | 16,397,000 | 17,301,000 | 17,234,000 |
| Allowance for loan losses | 387,000 | 389,000 | 390,000 | 390,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,599,000 | 12,422,000 | 12,766,000 | 14,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,487,000 | 21,816,000 | 21,916,000 | 22,618,000 |
| Interest-bearing deposits | 16,756,000 | 17,029,000 | 16,511,000 | 16,467,000 |
| Noninterest-bearing deposits | 5,731,000 | 4,787,000 | 5,405,000 | 6,151,000 |
| Equity capital | 6,098,000 | 6,151,000 | 6,254,000 | 6,194,000 |
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 | 351,000 | 646,000 | 961,000 | 1,274,000 |
| Interest expense | 74,000 | 140,000 | 202,000 | 260,000 |
| Net interest income | 277,000 | 506,000 | 759,000 | 1,014,000 |
| Noninterest income | 34,000 | 61,000 | 101,000 | 157,000 |
| Noninterest expense | 231,000 | 422,000 | 601,000 | 961,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 145,000 | 259,000 | 210,000 |
| Income tax | 11,000 | 23,000 | 34,000 | 45,000 |
| Net income | 69,000 | 122,000 | 225,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,098,000 | 6,151,000 | 6,254,000 | 6,194,000 |
| Total capital | 6,316,000 | 6,365,000 | 6,482,000 | 6,429,000 |
| Risk-weighted assets | 17,308,000 | 16,938,000 | 18,045,000 | 18,672,000 |