Call reports 2009
DISCOVERY BANK — 2009
What DISCOVERY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Total assets | 164,481,000 | 151,051,000 |
| Total loans | 131,906,000 | 128,543,000 |
| Allowance for loan losses | 3,514,000 | 3,910,000 |
| Securities available for sale | 768,000 | 737,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 135,973,000 | 123,937,000 |
| Interest-bearing deposits | 109,140,000 | 98,176,000 |
| Noninterest-bearing deposits | 26,833,000 | 25,761,000 |
| Equity capital | 16,606,000 | 16,011,000 |
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 |
|---|---|---|
| Interest income | 1,877,000 | 3,754,000 |
| Interest expense | 776,000 | 1,374,000 |
| Net interest income | 1,101,000 | 2,380,000 |
| Noninterest income | 164,000 | 355,000 |
| Noninterest expense | 1,802,000 | 3,865,000 |
| Provision for loan losses | 590,000 | 1,094,000 |
| Pretax income | -1,127,000 | -2,224,000 |
| Income tax | 0 | 0 |
| Net income | -1,127,000 | -2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Tier 1 capital | 16,585,000 | 15,914,000 |
| Total capital | 18,471,000 | 17,725,000 |
| Risk-weighted assets | 149,197,000 | 142,894,000 |