Call reports 2009
SAUGUSBANK A CO-OPERATIVE BANK — 2009
What SAUGUSBANK A CO-OPERATIVE 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 | 194,566,000 | 198,465,000 | 201,744,000 | 202,107,000 |
| Total loans | 132,469,000 | 134,991,000 | 136,253,000 | 132,700,000 |
| Allowance for loan losses | 1,648,000 | 1,693,000 | 1,732,000 | 1,586,000 |
| Securities available for sale | 6,997,000 | 15,146,000 | 18,605,000 | 18,271,000 |
| Securities held to maturity | 29,816,000 | 29,654,000 | 29,675,000 | 30,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,048,000 | 153,678,000 | 156,897,000 | 159,356,000 |
| Interest-bearing deposits | 137,967,000 | 141,414,000 | 145,482,000 | 147,222,000 |
| Noninterest-bearing deposits | 12,081,000 | 12,264,000 | 11,415,000 | 12,134,000 |
| Equity capital | 14,693,000 | 14,869,000 | 15,088,000 | 15,213,000 |
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 | 2,411,000 | 4,871,000 | 7,351,000 | 9,845,000 |
| Interest expense | 1,076,000 | 2,144,000 | 3,186,000 | 4,122,000 |
| Net interest income | 1,335,000 | 2,727,000 | 4,165,000 | 5,723,000 |
| Noninterest income | 427,000 | 763,000 | 959,000 | 1,215,000 |
| Noninterest expense | 1,438,000 | 2,844,000 | 4,206,000 | 5,622,000 |
| Provision for loan losses | 68,000 | 129,000 | 221,000 | 385,000 |
| Pretax income | 256,000 | 517,000 | 697,000 | 931,000 |
| Income tax | 77,000 | 141,000 | 191,000 | 259,000 |
| Net income | 179,000 | 376,000 | 506,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,538,000 | 14,720,000 | 14,915,000 | 15,075,000 |
| Total capital | 16,170,000 | 16,413,000 | 16,647,000 | 16,661,000 |
| Risk-weighted assets | 130,508,000 | 136,332,000 | 140,084,000 | 139,327,000 |