Call reports 2009
INEZ DEPOSIT BANK — 2009
What INEZ DEPOSIT 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 | 106,847,000 | 112,967,000 | 111,783,000 | 111,384,000 |
| Total loans | 51,251,000 | 52,575,000 | 53,567,000 | 53,784,000 |
| Allowance for loan losses | 701,000 | 715,000 | 739,000 | 719,000 |
| Securities available for sale | 40,673,000 | 39,539,000 | 44,339,000 | 48,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,602,000 | 99,719,000 | 98,235,000 | 98,335,000 |
| Interest-bearing deposits | 77,228,000 | 75,269,000 | 75,800,000 | 74,419,000 |
| Noninterest-bearing deposits | 16,374,000 | 24,450,000 | 22,434,000 | 23,917,000 |
| Equity capital | 12,062,000 | 11,891,000 | 12,342,000 | 12,224,000 |
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 | 1,359,000 | 2,685,000 | 4,021,000 | 5,349,000 |
| Interest expense | 498,000 | 999,000 | 1,492,000 | 1,977,000 |
| Net interest income | 861,000 | 1,686,000 | 2,529,000 | 3,372,000 |
| Noninterest income | 212,000 | 425,000 | 693,000 | 952,000 |
| Noninterest expense | 870,000 | 1,805,000 | 2,715,000 | 3,570,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 188,000 | 276,000 | 462,000 | 679,000 |
| Income tax | 28,000 | 18,000 | 33,000 | 87,000 |
| Net income | 160,000 | 258,000 | 429,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,263,000 | 11,212,000 | 11,382,000 | 11,447,000 |
| Total capital | 11,915,000 | 11,887,000 | 12,072,000 | 12,139,000 |
| Risk-weighted assets | 52,078,000 | 54,729,000 | 55,152,000 | 55,339,000 |
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