Call reports 2009
COMMUNITY NEIGHBOR BANK — 2009
What COMMUNITY NEIGHBOR 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 | 117,209,000 | 119,044,000 | 118,254,000 | 122,085,000 |
| Total loans | 83,769,000 | 82,433,000 | 81,778,000 | 83,361,000 |
| Allowance for loan losses | 1,397,000 | 1,409,000 | 1,320,000 | 1,408,000 |
| Securities available for sale | 17,005,000 | 18,426,000 | 17,298,000 | 15,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,114,000 | 101,614,000 | 100,895,000 | 105,399,000 |
| Interest-bearing deposits | 85,565,000 | 87,474,000 | 86,455,000 | 89,789,000 |
| Noninterest-bearing deposits | 14,549,000 | 14,140,000 | 14,440,000 | 15,610,000 |
| Equity capital | 12,793,000 | 13,076,000 | 13,338,000 | 12,873,000 |
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 | 1,803,000 | 3,596,000 | 5,367,000 | 7,065,000 |
| Interest expense | 634,000 | 1,233,000 | 1,784,000 | 2,284,000 |
| Net interest income | 1,169,000 | 2,363,000 | 3,583,000 | 4,781,000 |
| Noninterest income | 157,000 | 380,000 | 563,000 | 730,000 |
| Noninterest expense | 868,000 | 1,873,000 | 2,744,000 | 3,679,000 |
| Provision for loan losses | 200,000 | 300,000 | 450,000 | 755,000 |
| Pretax income | 258,000 | 570,000 | 755,000 | 880,000 |
| Income tax | 100,000 | 162,000 | 172,000 | 216,000 |
| Net income | 158,000 | 408,000 | 583,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,489,000 | 12,739,000 | 12,914,000 | 12,495,000 |
| Total capital | 13,551,000 | 13,829,000 | 13,956,000 | 13,593,000 |
| Risk-weighted assets | 84,630,000 | 86,860,000 | 83,116,000 | 87,511,000 |