Call reports 2009
LEADERS BANK, THE — 2009
What LEADERS BANK, THE 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 | 665,754,000 | 678,881,000 | 668,366,000 | 676,041,000 |
| Total loans | 593,999,000 | 595,290,000 | 592,614,000 | 575,197,000 |
| Allowance for loan losses | 7,688,000 | 8,732,000 | 10,207,000 | 8,715,000 |
| Securities available for sale | 35,616,000 | 38,059,000 | 38,670,000 | 42,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,916,000 | 614,102,000 | 606,237,000 | 610,698,000 |
| Interest-bearing deposits | 550,366,000 | 559,115,000 | 548,203,000 | 549,863,000 |
| Noninterest-bearing deposits | 45,550,000 | 54,987,000 | 58,034,000 | 60,835,000 |
| Equity capital | 54,811,000 | 54,920,000 | 52,557,000 | 55,690,000 |
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 | 7,493,000 | 15,226,000 | 22,772,000 | 30,492,000 |
| Interest expense | 3,601,000 | 6,881,000 | 9,996,000 | 12,887,000 |
| Net interest income | 3,892,000 | 8,345,000 | 12,776,000 | 17,605,000 |
| Noninterest income | 332,000 | 604,000 | 117,000 | 1,026,000 |
| Noninterest expense | 3,128,000 | 6,429,000 | 9,405,000 | 12,727,000 |
| Provision for loan losses | 380,000 | 1,493,000 | 7,107,000 | 10,163,000 |
| Pretax income | 716,000 | 1,020,000 | -3,626,000 | -4,266,000 |
| Income tax | 268,000 | 393,000 | -1,676,000 | -1,189,000 |
| Net income | 448,000 | 627,000 | -1,950,000 | -3,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,318,000 | 54,483,000 | 51,906,000 | 55,275,000 |
| Total capital | 69,506,000 | 69,891,000 | 67,327,000 | 70,482,000 |
| Risk-weighted assets | 629,519,000 | 631,581,000 | 633,593,000 | 615,577,000 |