Call reports 2009
DEFIANCE STATE BANK — 2009
What DEFIANCE STATE 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 | 25,275,000 | 23,854,000 | 23,245,000 | 24,832,000 |
| Total loans | 15,436,000 | 15,476,000 | 14,652,000 | 15,135,000 |
| Allowance for loan losses | 194,000 | 191,000 | 194,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,920,000 | 18,512,000 | 18,260,000 | 21,067,000 |
| Interest-bearing deposits | 17,417,000 | 16,183,000 | 16,311,000 | 18,122,000 |
| Noninterest-bearing deposits | 2,503,000 | 2,329,000 | 1,949,000 | 2,945,000 |
| Equity capital | 2,248,000 | 2,244,000 | 2,321,000 | 2,261,000 |
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 | 341,000 | 688,000 | 1,020,000 | 1,330,000 |
| Interest expense | 104,000 | 196,000 | 273,000 | 343,000 |
| Net interest income | 237,000 | 492,000 | 747,000 | 987,000 |
| Noninterest income | 19,000 | 40,000 | 60,000 | 81,000 |
| Noninterest expense | 191,000 | 367,000 | 563,000 | 882,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 165,000 | 244,000 | 186,000 |
| Income tax | 0 | 4,000 | 6,000 | 9,000 |
| Net income | 65,000 | 161,000 | 238,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,248,000 | 2,244,000 | 2,321,000 | 2,261,000 |
| Total capital | 2,442,000 | 2,435,000 | 2,515,000 | 2,456,000 |
| Risk-weighted assets | 16,386,000 | 17,660,000 | 16,904,000 | 16,344,000 |