Call reports 2009
PACESETTER BANK — 2009
What PACESETTER 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 | 107,987,000 | 106,107,000 | 102,667,000 | 105,942,000 |
| Total loans | 72,870,000 | 73,381,000 | 73,871,000 | 74,114,000 |
| Allowance for loan losses | 905,000 | 948,000 | 1,005,000 | 762,000 |
| Securities available for sale | 4,370,000 | 3,783,000 | 3,688,000 | 3,109,000 |
| Securities held to maturity | 3,148,000 | 4,677,000 | 4,519,000 | 4,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,715,000 | 92,157,000 | 88,598,000 | 92,211,000 |
| Interest-bearing deposits | 81,340,000 | 79,351,000 | 77,392,000 | 60,522,000 |
| Noninterest-bearing deposits | 12,375,000 | 12,806,000 | 11,206,000 | 31,689,000 |
| Equity capital | 13,223,000 | 13,273,000 | 13,342,000 | 13,343,000 |
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 | 1,310,000 | 2,604,000 | 3,879,000 | 5,117,000 |
| Interest expense | 334,000 | 619,000 | 889,000 | 1,140,000 |
| Net interest income | 976,000 | 1,985,000 | 2,990,000 | 3,977,000 |
| Noninterest income | 264,000 | 525,000 | 786,000 | 1,068,000 |
| Noninterest expense | 985,000 | 2,029,000 | 3,017,000 | 4,051,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 195,000 | 361,000 | 570,000 | 675,000 |
| Income tax | 60,000 | 106,000 | 167,000 | 187,000 |
| Net income | 135,000 | 255,000 | 403,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,128,000 | 13,165,000 | 13,230,000 | 13,233,000 |
| Total capital | 14,043,000 | 14,092,000 | 14,163,000 | 14,035,000 |
| Risk-weighted assets | 71,113,000 | 71,758,000 | 71,824,000 | 71,792,000 |
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