Call reports 2009
BANK OF LUMBER CITY — 2009
What BANK OF LUMBER CITY 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 | 21,609,000 | 20,666,000 | 20,954,000 | 21,632,000 |
| Total loans | 13,029,000 | 12,887,000 | 12,686,000 | 13,679,000 |
| Allowance for loan losses | 243,000 | 254,000 | 261,000 | 316,000 |
| Securities available for sale | 4,204,000 | 3,979,000 | 3,751,000 | 3,489,000 |
| Securities held to maturity | 1,050,000 | 984,000 | 919,000 | 866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,434,000 | 16,406,000 | 16,584,000 | 16,823,000 |
| Interest-bearing deposits | 13,929,000 | 12,744,000 | 13,182,000 | 12,900,000 |
| Noninterest-bearing deposits | 3,505,000 | 3,662,000 | 3,402,000 | 3,923,000 |
| Equity capital | 4,012,000 | 4,104,000 | 4,200,000 | 4,099,000 |
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 | 313,000 | 640,000 | 949,000 | 1,263,000 |
| Interest expense | 89,000 | 167,000 | 239,000 | 307,000 |
| Net interest income | 224,000 | 473,000 | 710,000 | 956,000 |
| Noninterest income | 64,000 | 152,000 | 239,000 | 403,000 |
| Noninterest expense | 260,000 | 501,000 | 775,000 | 1,196,000 |
| Provision for loan losses | 0 | 6,000 | 9,000 | 87,000 |
| Pretax income | 31,000 | 122,000 | 169,000 | 80,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 122,000 | 169,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,022,000 | 4,113,000 | 4,161,000 | 4,071,000 |
| Total capital | 4,212,000 | 4,326,000 | 4,381,000 | 4,303,000 |
| Risk-weighted assets | 15,110,000 | 16,960,000 | 17,574,000 | 18,486,000 |