Call reports 2009
STATE BANK OF DELPHOS — 2009
What STATE BANK OF DELPHOS 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 | 37,609,000 | 38,441,000 | 36,586,000 | 37,158,000 |
| Total loans | 27,101,000 | 27,500,000 | 27,228,000 | 27,971,000 |
| Allowance for loan losses | 449,000 | 475,000 | 447,000 | 453,000 |
| Securities available for sale | 5,609,000 | 5,074,000 | 4,303,000 | 2,931,000 |
| Securities held to maturity | 2,668,000 | 2,943,000 | 2,548,000 | 2,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,210,000 | 27,879,000 | 28,222,000 | 30,172,000 |
| Interest-bearing deposits | 26,369,000 | 24,706,000 | 25,228,000 | 25,866,000 |
| Noninterest-bearing deposits | 3,841,000 | 3,173,000 | 2,994,000 | 4,306,000 |
| Equity capital | 3,379,000 | 3,344,000 | 3,443,000 | 3,508,000 |
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 | 539,000 | 1,100,000 | 1,633,000 | 2,161,000 |
| Interest expense | 165,000 | 321,000 | 481,000 | 630,000 |
| Net interest income | 374,000 | 779,000 | 1,152,000 | 1,531,000 |
| Noninterest income | 128,000 | 156,000 | 285,000 | 333,000 |
| Noninterest expense | 328,000 | 645,000 | 938,000 | 1,257,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 45,000 |
| Pretax income | 174,000 | 265,000 | 474,000 | 562,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 21,000 |
| Net income | 168,000 | 252,000 | 455,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,317,000 | 3,290,000 | 3,388,000 | 3,474,000 |
| Total capital | 3,661,000 | 3,670,000 | 3,740,000 | 3,850,000 |
| Risk-weighted assets | 27,391,000 | 30,283,000 | 28,061,000 | 30,008,000 |