Call reports 2009
SUNDOWN STATE BANK — 2009
What SUNDOWN 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 | 97,845,000 | 115,696,000 | 122,235,000 | 117,684,000 |
| Total loans | 68,962,000 | 82,885,000 | 89,734,000 | 79,941,000 |
| Allowance for loan losses | 288,000 | 288,000 | 288,000 | 453,000 |
| Securities available for sale | 113,000 | 120,000 | 120,000 | 120,000 |
| Securities held to maturity | 21,878,000 | 23,328,000 | 23,080,000 | 22,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,702,000 | 84,399,000 | 84,078,000 | 89,970,000 |
| Interest-bearing deposits | 50,556,000 | 50,279,000 | 49,673,000 | 53,689,000 |
| Noninterest-bearing deposits | 35,146,000 | 34,120,000 | 34,405,000 | 36,281,000 |
| Equity capital | 8,191,000 | 8,597,000 | 9,107,000 | 8,596,000 |
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 | 1,260,000 | 2,655,000 | 4,233,000 | 5,772,000 |
| Interest expense | 172,000 | 343,000 | 530,000 | 694,000 |
| Net interest income | 1,088,000 | 2,312,000 | 3,703,000 | 5,078,000 |
| Noninterest income | 178,000 | 357,000 | 549,000 | 740,000 |
| Noninterest expense | 897,000 | 1,816,000 | 2,794,000 | 3,853,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 377,000 | 861,000 | 1,466,000 | 1,373,000 |
| Income tax | 72,000 | 155,000 | 251,000 | 170,000 |
| Net income | 305,000 | 706,000 | 1,215,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,195,000 | 8,597,000 | 9,107,000 | 8,596,000 |
| Total capital | 8,483,000 | 8,885,000 | 9,395,000 | 9,049,000 |
| Risk-weighted assets | 77,937,000 | 90,148,000 | 96,197,000 | 88,208,000 |