Call reports 2009
DURAND STATE BANK — 2009
What DURAND 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 | 88,230,000 | 85,189,000 | 85,761,000 | 89,003,000 |
| Total loans | 54,362,000 | 56,598,000 | 56,697,000 | 53,459,000 |
| Allowance for loan losses | 569,000 | 556,000 | 577,000 | 579,000 |
| Securities available for sale | 20,695,000 | 20,996,000 | 20,946,000 | 22,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,097,000 | 77,280,000 | 77,285,000 | 81,203,000 |
| Interest-bearing deposits | 70,441,000 | 71,523,000 | 67,786,000 | 74,963,000 |
| Noninterest-bearing deposits | 6,656,000 | 5,758,000 | 9,499,000 | 6,240,000 |
| Equity capital | 7,400,000 | 7,474,000 | 7,866,000 | 7,390,000 |
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 | 1,134,000 | 2,263,000 | 3,368,000 | 4,383,000 |
| Interest expense | 481,000 | 958,000 | 1,349,000 | 1,713,000 |
| Net interest income | 653,000 | 1,305,000 | 2,019,000 | 2,670,000 |
| Noninterest income | 145,000 | 272,000 | 416,000 | 568,000 |
| Noninterest expense | 557,000 | 1,138,000 | 1,728,000 | 2,303,000 |
| Provision for loan losses | 45,000 | 90,000 | 230,000 | 730,000 |
| Pretax income | 196,000 | 358,000 | 483,000 | 229,000 |
| Income tax | 48,000 | 60,000 | 108,000 | 4,000 |
| Net income | 148,000 | 298,000 | 375,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,645,000 | 7,796,000 | 7,873,000 | 7,618,000 |
| Total capital | 8,214,000 | 8,352,000 | 8,450,000 | 8,197,000 |
| Risk-weighted assets | 63,518,000 | 64,955,000 | 64,141,000 | 63,348,000 |
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