Call reports 2009
ERGO BANK — 2009
What ERGO 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 | 77,738,000 | 77,530,000 | 79,419,000 | 82,093,000 |
| Total loans | 41,134,000 | 40,851,000 | 40,628,000 | 39,843,000 |
| Allowance for loan losses | 520,000 | 552,000 | 469,000 | 530,000 |
| Securities available for sale | 27,101,000 | 26,550,000 | 29,871,000 | 31,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,973,000 | 58,900,000 | 61,504,000 | 64,345,000 |
| Interest-bearing deposits | 54,797,000 | 55,269,000 | 57,445,000 | 60,046,000 |
| Noninterest-bearing deposits | 4,175,000 | 3,631,000 | 4,059,000 | 4,299,000 |
| Equity capital | 10,678,000 | 10,721,000 | 10,996,000 | 10,907,000 |
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 | 1,074,000 | 2,123,000 | 3,166,000 | 4,214,000 |
| Interest expense | 356,000 | 705,000 | 1,041,000 | 1,361,000 |
| Net interest income | 718,000 | 1,418,000 | 2,125,000 | 2,853,000 |
| Noninterest income | 104,000 | 201,000 | 294,000 | 374,000 |
| Noninterest expense | 582,000 | 1,158,000 | 1,836,000 | 2,393,000 |
| Provision for loan losses | 30,000 | 60,000 | 122,000 | 447,000 |
| Pretax income | 210,000 | 401,000 | 461,000 | 387,000 |
| Income tax | 24,000 | 45,000 | 8,000 | -73,000 |
| Net income | 186,000 | 356,000 | 453,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,233,000 | 10,343,000 | 10,381,000 | 10,313,000 |
| Total capital | 10,753,000 | 10,895,000 | 10,850,000 | 10,843,000 |
| Risk-weighted assets | 47,013,000 | 47,019,000 | 47,698,000 | 47,769,000 |