Call reports 2009
SUTTER COMMUNITY BANK — 2009
What SUTTER COMMUNITY 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 | 59,509,000 | 61,324,000 | 62,134,000 | 62,691,000 |
| Total loans | 50,157,000 | 49,756,000 | 49,543,000 | 50,240,000 |
| Allowance for loan losses | 594,000 | 1,129,000 | 1,004,000 | 889,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,050,000 | 54,172,000 | 54,906,000 | 55,635,000 |
| Interest-bearing deposits | 47,187,000 | 47,409,000 | 49,347,000 | 49,265,000 |
| Noninterest-bearing deposits | 4,863,000 | 6,763,000 | 5,559,000 | 6,369,000 |
| Equity capital | 6,617,000 | 6,362,000 | 6,712,000 | 6,790,000 |
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 | 943,000 | 1,895,000 | 2,820,000 | 3,712,000 |
| Interest expense | 318,000 | 606,000 | 895,000 | 1,142,000 |
| Net interest income | 625,000 | 1,289,000 | 1,925,000 | 2,570,000 |
| Noninterest income | 207,000 | 519,000 | 780,000 | 1,121,000 |
| Noninterest expense | 654,000 | 1,363,000 | 1,975,000 | 2,604,000 |
| Provision for loan losses | 92,000 | 677,000 | 677,000 | 1,023,000 |
| Pretax income | 86,000 | -232,000 | 53,000 | 64,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 84,000 | -234,000 | 51,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,617,000 | 6,362,000 | 6,712,000 | 6,790,000 |
| Total capital | 7,150,000 | 6,933,000 | 7,288,000 | 7,365,000 |
| Risk-weighted assets | 42,709,000 | 45,155,000 | 45,658,000 | 45,153,000 |