Call reports 2009
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2009
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 184,891,000 | 195,169,000 | 198,476,000 | 198,408,000 |
| Total loans | 101,320,000 | 106,565,000 | 110,194,000 | 114,249,000 |
| Allowance for loan losses | 1,540,000 | 1,552,000 | 1,519,000 | 1,585,000 |
| Securities available for sale | 63,219,000 | 66,699,000 | 68,913,000 | 60,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 147,000 | 376,000 | 384,000 | 0 |
| Total deposits | 171,193,000 | 180,534,000 | 181,972,000 | 181,854,000 |
| Interest-bearing deposits | 145,408,000 | 150,884,000 | 154,417,000 | 151,737,000 |
| Noninterest-bearing deposits | 25,785,000 | 29,650,000 | 27,555,000 | 30,118,000 |
| Equity capital | 12,369,000 | 13,389,000 | 15,194,000 | 15,612,000 |
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 | 2,341,000 | 4,667,000 | 7,021,000 | 9,315,000 |
| Interest expense | 763,000 | 1,468,000 | 2,152,000 | 2,776,000 |
| Net interest income | 1,578,000 | 3,199,000 | 4,869,000 | 6,539,000 |
| Noninterest income | 290,000 | 565,000 | 842,000 | 1,107,000 |
| Noninterest expense | 1,360,000 | 2,691,000 | 4,005,000 | 5,226,000 |
| Provision for loan losses | 13,000 | 44,000 | 157,000 | 161,000 |
| Pretax income | 429,000 | 868,000 | 1,392,000 | 1,890,000 |
| Income tax | 2,000 | 6,000 | 9,000 | 11,000 |
| Net income | 427,000 | 862,000 | 1,383,000 | 1,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,928,000 | 13,669,000 | 14,363,000 | 14,870,000 |
| Total capital | 14,308,000 | 15,064,000 | 15,938,000 | 16,424,000 |
| Risk-weighted assets | 112,154,000 | 118,059,000 | 119,255,000 | 125,063,000 |