Call reports 2009
SANBORN SAVINGS BANK — 2009
What SANBORN 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 | 49,767,000 | 48,365,000 | 48,613,000 | 55,343,000 |
| Total loans | 35,362,000 | 36,127,000 | 35,445,000 | 36,712,000 |
| Allowance for loan losses | 381,000 | 383,000 | 402,000 | 419,000 |
| Securities available for sale | 10,400,000 | 9,491,000 | 10,316,000 | 12,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,042,000 | 40,227,000 | 40,358,000 | 47,151,000 |
| Interest-bearing deposits | 37,655,000 | 37,851,000 | 37,831,000 | 44,049,000 |
| Noninterest-bearing deposits | 2,387,000 | 2,376,000 | 2,527,000 | 3,102,000 |
| Equity capital | 4,840,000 | 4,852,000 | 4,975,000 | 4,963,000 |
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 | 617,000 | 1,231,000 | 1,826,000 | 2,412,000 |
| Interest expense | 223,000 | 438,000 | 648,000 | 851,000 |
| Net interest income | 394,000 | 793,000 | 1,178,000 | 1,561,000 |
| Noninterest income | 25,000 | 48,000 | 71,000 | 96,000 |
| Noninterest expense | 314,000 | 622,000 | 918,000 | 1,208,000 |
| Provision for loan losses | 0 | 15,000 | 47,000 | 72,000 |
| Pretax income | 105,000 | 204,000 | 284,000 | 377,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 16,000 |
| Net income | 101,000 | 197,000 | 274,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,495,000 | 4,542,000 | 4,569,000 | 4,605,000 |
| Total capital | 4,876,000 | 4,925,000 | 4,971,000 | 5,024,000 |
| Risk-weighted assets | 39,820,000 | 38,709,000 | 38,392,000 | 41,061,000 |