Call reports 2009
SAVINGS BANK, THE — 2009
What SAVINGS BANK, THE 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 | 398,397,000 | 408,870,000 | 414,746,000 | 417,081,000 |
| Total loans | 227,956,000 | 233,896,000 | 239,557,000 | 240,070,000 |
| Allowance for loan losses | 1,872,000 | 1,810,000 | 1,818,000 | 1,808,000 |
| Securities available for sale | 107,797,000 | 105,857,000 | 102,978,000 | 103,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,334,000 | 351,505,000 | 355,974,000 | 358,063,000 |
| Interest-bearing deposits | 304,660,000 | 309,577,000 | 314,441,000 | 315,357,000 |
| Noninterest-bearing deposits | 37,674,000 | 41,928,000 | 41,533,000 | 42,706,000 |
| Equity capital | 50,637,000 | 51,630,000 | 53,139,000 | 53,455,000 |
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 | 4,339,000 | 8,775,000 | 13,173,000 | 17,649,000 |
| Interest expense | 1,533,000 | 2,982,000 | 4,286,000 | 5,474,000 |
| Net interest income | 2,806,000 | 5,793,000 | 8,887,000 | 12,175,000 |
| Noninterest income | 1,175,000 | 2,343,000 | 3,526,000 | 4,688,000 |
| Noninterest expense | 4,108,000 | 8,323,000 | 12,265,000 | 16,477,000 |
| Provision for loan losses | 160,000 | 261,000 | 274,000 | 270,000 |
| Pretax income | -287,000 | -448,000 | -117,000 | 152,000 |
| Income tax | -104,000 | -200,000 | -130,000 | -103,000 |
| Net income | -183,000 | -248,000 | 13,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,426,000 | 45,995,000 | 46,335,000 | 46,533,000 |
| Total capital | 47,298,000 | 47,869,000 | 48,675,000 | 49,156,000 |
| Risk-weighted assets | 237,123,000 | 248,176,000 | 250,688,000 | 255,010,000 |