Call reports 2009
CREDICARD NATIONAL BANK — 2009
What CREDICARD NATIONAL 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 | 14,565,000 | 12,013,000 | 9,599,000 | 6,436,000 |
| Total loans | 8,559,000 | 7,136,000 | 6,366,000 | 3,873,000 |
| Allowance for loan losses | 1,004,000 | 626,000 | 649,000 | 503,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,329,000 | 9,920,000 | 7,872,000 | 6,257,000 |
| Interest-bearing deposits | 12,143,000 | 9,569,000 | 7,379,000 | 6,236,000 |
| Noninterest-bearing deposits | 186,000 | 351,000 | 493,000 | 21,000 |
| Equity capital | 2,189,000 | 2,049,000 | 1,672,000 | 127,000 |
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 | 549,000 | 1,013,000 | 1,399,000 | 1,693,000 |
| Interest expense | 149,000 | 283,000 | 387,000 | 469,000 |
| Net interest income | 400,000 | 730,000 | 1,012,000 | 1,224,000 |
| Noninterest income | 8,000 | 9,000 | 10,000 | -1,352,000 |
| Noninterest expense | 551,000 | 970,000 | 1,386,000 | 1,715,000 |
| Provision for loan losses | 695,000 | 747,000 | 992,000 | 1,058,000 |
| Pretax income | -838,000 | -978,000 | -1,356,000 | -2,901,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -838,000 | -978,000 | -1,356,000 | -2,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,189,000 | 2,049,000 | 1,672,000 | 127,000 |
| Total capital | 2,335,000 | 2,172,000 | 1,780,000 | 189,000 |
| Risk-weighted assets | 10,842,000 | 9,327,000 | 8,115,000 | 4,484,000 |