Call reports 2009
SMALL BUSINESS BANK — 2009
What SMALL BUSINESS 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 | 92,681,000 | 92,575,000 | 91,852,000 | 89,863,000 |
| Total loans | 76,129,000 | 76,526,000 | 78,106,000 | 77,607,000 |
| Allowance for loan losses | 700,000 | 736,000 | 775,000 | 734,000 |
| Securities available for sale | 8,941,000 | 8,221,000 | 6,986,000 | 4,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,247,000 | 69,075,000 | 68,226,000 | 68,591,000 |
| Interest-bearing deposits | 55,786,000 | 54,904,000 | 54,108,000 | 56,395,000 |
| Noninterest-bearing deposits | 11,461,000 | 14,171,000 | 14,118,000 | 12,196,000 |
| Equity capital | 8,012,000 | 8,046,000 | 8,223,000 | 8,362,000 |
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 | 1,298,000 | 2,568,000 | 3,816,000 | 5,051,000 |
| Interest expense | 468,000 | 905,000 | 1,311,000 | 1,681,000 |
| Net interest income | 830,000 | 1,663,000 | 2,505,000 | 3,370,000 |
| Noninterest income | 134,000 | 273,000 | 439,000 | 596,000 |
| Noninterest expense | 787,000 | 1,586,000 | 2,363,000 | 3,092,000 |
| Provision for loan losses | 32,000 | 73,000 | 115,000 | 169,000 |
| Pretax income | 145,000 | 364,000 | 620,000 | 887,000 |
| Income tax | 47,000 | 123,000 | 217,000 | 315,000 |
| Net income | 98,000 | 241,000 | 403,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,693,000 | 7,835,000 | 7,983,000 | 8,143,000 |
| Total capital | 8,393,000 | 8,571,000 | 8,758,000 | 8,877,000 |
| Risk-weighted assets | 71,150,000 | 72,122,000 | 73,615,000 | 73,675,000 |