Call reports 2009
TRADERS BANK — 2009
What TRADERS 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 | 129,793,000 | 142,273,000 | 149,850,000 | 142,893,000 |
| Total loans | 105,848,000 | 109,497,000 | 113,778,000 | 113,002,000 |
| Allowance for loan losses | 1,970,000 | 2,094,000 | 2,125,000 | 1,981,000 |
| Securities available for sale | 9,703,000 | 13,493,000 | 17,245,000 | 14,848,000 |
| Securities held to maturity | 500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,613,000 | 124,313,000 | 131,125,000 | 130,013,000 |
| Interest-bearing deposits | 89,471,000 | 98,613,000 | 102,883,000 | 106,406,000 |
| Noninterest-bearing deposits | 21,142,000 | 25,700,000 | 28,242,000 | 23,607,000 |
| Equity capital | 12,621,000 | 11,272,000 | 11,956,000 | 12,296,000 |
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 | 1,754,000 | 3,557,000 | 5,429,000 | 7,269,000 |
| Interest expense | 441,000 | 934,000 | 1,463,000 | 1,969,000 |
| Net interest income | 1,313,000 | 2,623,000 | 3,966,000 | 5,300,000 |
| Noninterest income | 312,000 | 652,000 | 994,000 | 1,366,000 |
| Noninterest expense | 954,000 | 2,679,000 | 3,849,000 | 5,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 690,000 | 115,000 | 721,000 | 1,242,000 |
| Income tax | 40,000 | 14,000 | 44,000 | 78,000 |
| Net income | 650,000 | 101,000 | 677,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,502,000 | 11,316,000 | 11,668,000 | 12,155,000 |
| Total capital | 13,674,000 | 12,569,000 | 12,939,000 | 13,436,000 |
| Risk-weighted assets | 92,911,000 | 99,264,000 | 100,768,000 | 101,673,000 |