Call reports 2009
ADVANTAGE BANK — 2009
What ADVANTAGE 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 | 432,411,000 | 467,328,000 | 454,763,000 | 422,867,000 |
| Total loans | 382,045,000 | 362,147,000 | 343,882,000 | 334,263,000 |
| Allowance for loan losses | 5,032,000 | 5,494,000 | 5,582,000 | 5,816,000 |
| Securities available for sale | 18,181,000 | 32,689,000 | 35,023,000 | 35,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,085,000 | 385,588,000 | 380,661,000 | 356,700,000 |
| Interest-bearing deposits | 324,099,000 | 365,976,000 | 358,550,000 | 335,967,000 |
| Noninterest-bearing deposits | 18,986,000 | 19,612,000 | 22,111,000 | 20,734,000 |
| Equity capital | 37,436,000 | 39,493,000 | 38,916,000 | 36,983,000 |
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 | 6,252,000 | 12,378,000 | 18,050,000 | 23,258,000 |
| Interest expense | 3,104,000 | 6,309,000 | 9,310,000 | 11,829,000 |
| Net interest income | 3,148,000 | 6,069,000 | 8,740,000 | 11,429,000 |
| Noninterest income | 74,000 | -57,000 | -256,000 | -885,000 |
| Noninterest expense | 2,628,000 | 5,475,000 | 8,237,000 | 11,113,000 |
| Provision for loan losses | 1,500,000 | 3,025,000 | 4,075,000 | 6,175,000 |
| Pretax income | -906,000 | -2,408,000 | -3,638,000 | -6,498,000 |
| Income tax | -331,000 | -888,000 | -1,340,000 | -2,395,000 |
| Net income | -575,000 | -1,520,000 | -2,298,000 | -4,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,125,000 | 39,380,000 | 38,602,000 | 36,797,000 |
| Total capital | 41,913,000 | 44,028,000 | 43,035,000 | 41,081,000 |
| Risk-weighted assets | 382,691,000 | 371,667,000 | 353,463,000 | 341,174,000 |