Call reports 2009
MENARD BANK — 2009
What MENARD 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 | 30,615,000 | 31,224,000 | 31,053,000 | 32,102,000 |
| Total loans | 19,402,000 | 18,543,000 | 18,091,000 | 17,380,000 |
| Allowance for loan losses | 193,000 | 194,000 | 194,000 | 181,000 |
| Securities available for sale | 739,000 | 668,000 | 608,000 | 560,000 |
| Securities held to maturity | 5,023,000 | 5,599,000 | 7,547,000 | 7,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,676,000 | 27,143,000 | 26,906,000 | 28,071,000 |
| Interest-bearing deposits | 21,059,000 | 21,293,000 | 21,867,000 | 22,547,000 |
| Noninterest-bearing deposits | 5,617,000 | 5,850,000 | 5,039,000 | 5,524,000 |
| Equity capital | 3,898,000 | 4,009,000 | 4,092,000 | 4,011,000 |
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 | 412,000 | 817,000 | 1,195,000 | 1,563,000 |
| Interest expense | 82,000 | 162,000 | 243,000 | 319,000 |
| Net interest income | 330,000 | 655,000 | 952,000 | 1,244,000 |
| Noninterest income | 27,000 | 54,000 | 81,000 | 110,000 |
| Noninterest expense | 255,000 | 498,000 | 742,000 | 989,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 6,000 |
| Pretax income | 100,000 | 209,000 | 289,000 | 359,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 209,000 | 289,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,880,000 | 3,990,000 | 4,069,000 | 3,989,000 |
| Total capital | 4,073,000 | 4,184,000 | 4,263,000 | 4,170,000 |
| Risk-weighted assets | 21,031,000 | 20,485,000 | 20,343,000 | 20,070,000 |