Call reports 2009
BANCROFT STATE BANK — 2009
What BANCROFT STATE 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 | 66,156,000 | 66,842,000 | 67,727,000 | 71,600,000 |
| Total loans | 51,890,000 | 55,189,000 | 56,166,000 | 57,011,000 |
| Allowance for loan losses | 543,000 | 483,000 | 487,000 | 518,000 |
| Securities available for sale | 9,507,000 | 7,939,000 | 6,928,000 | 6,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,631,000 | 58,337,000 | 61,042,000 | 64,869,000 |
| Interest-bearing deposits | 51,856,000 | 49,388,000 | 52,939,000 | 55,143,000 |
| Noninterest-bearing deposits | 7,775,000 | 8,949,000 | 8,103,000 | 9,726,000 |
| Equity capital | 5,803,000 | 5,859,000 | 5,989,000 | 5,947,000 |
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 | 947,000 | 1,932,000 | 2,909,000 | 3,944,000 |
| Interest expense | 334,000 | 652,000 | 963,000 | 1,266,000 |
| Net interest income | 613,000 | 1,280,000 | 1,946,000 | 2,678,000 |
| Noninterest income | 41,000 | 33,000 | 129,000 | 83,000 |
| Noninterest expense | 526,000 | 1,007,000 | 1,589,000 | 2,119,000 |
| Provision for loan losses | 44,000 | 104,000 | 144,000 | 204,000 |
| Pretax income | 84,000 | 202,000 | 342,000 | 438,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 202,000 | 342,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,599,000 | 5,686,000 | 5,826,000 | 5,822,000 |
| Total capital | 6,142,000 | 6,169,000 | 6,313,000 | 6,340,000 |
| Risk-weighted assets | 49,213,000 | 51,640,000 | 61,922,000 | 63,359,000 |