Call reports 2009
ACB BANK — 2009
What ACB 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 | 56,175,000 | 59,923,000 | 62,256,000 | 66,467,000 |
| Total loans | 37,295,000 | 38,180,000 | 40,970,000 | 44,178,000 |
| Allowance for loan losses | 465,000 | 329,000 | 453,000 | 551,000 |
| Securities available for sale | 13,601,000 | 15,347,000 | 14,939,000 | 15,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,855,000 | 46,930,000 | 47,995,000 | 51,628,000 |
| Interest-bearing deposits | 36,674,000 | 40,996,000 | 41,741,000 | 45,498,000 |
| Noninterest-bearing deposits | 6,181,000 | 5,934,000 | 6,254,000 | 6,130,000 |
| Equity capital | 5,516,000 | 5,527,000 | 5,894,000 | 4,534,000 |
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 | 738,000 | 1,521,000 | 2,305,000 | 3,191,000 |
| Interest expense | 247,000 | 507,000 | 779,000 | 1,046,000 |
| Net interest income | 491,000 | 1,014,000 | 1,526,000 | 2,145,000 |
| Noninterest income | 69,000 | 150,000 | 253,000 | 264,000 |
| Noninterest expense | 388,000 | 769,000 | 1,196,000 | 1,671,000 |
| Provision for loan losses | 80,000 | 247,000 | 387,000 | 2,136,000 |
| Pretax income | 110,000 | 205,000 | 311,000 | -1,283,000 |
| Income tax | 0 | 0 | -5,000 | -5,000 |
| Net income | 110,000 | 205,000 | 316,000 | -1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,448,000 | 5,556,000 | 5,677,000 | 4,325,000 |
| Total capital | 5,913,000 | 5,885,000 | 6,130,000 | 4,876,000 |
| Risk-weighted assets | 42,185,000 | 44,009,000 | 45,934,000 | 47,766,000 |