Call reports 2009
FREEDOM BANK, INC. — 2009
What FREEDOM BANK, INC. 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 | 147,444,000 | 151,301,000 | 156,866,000 | 159,419,000 |
| Total loans | 122,849,000 | 125,872,000 | 132,381,000 | 133,989,000 |
| Allowance for loan losses | 1,039,000 | 1,170,000 | 1,278,000 | 1,253,000 |
| Securities available for sale | 3,554,000 | 3,242,000 | 3,088,000 | 2,859,000 |
| Securities held to maturity | 2,243,000 | 2,231,000 | 1,919,000 | 1,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,646,000 | 131,172,000 | 131,369,000 | 130,760,000 |
| Interest-bearing deposits | 103,137,000 | 106,414,000 | 107,883,000 | 106,250,000 |
| Noninterest-bearing deposits | 24,509,000 | 24,758,000 | 23,485,000 | 24,510,000 |
| Equity capital | 13,304,000 | 13,639,000 | 14,038,000 | 14,166,000 |
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 | 2,072,000 | 4,233,000 | 6,440,000 | 8,640,000 |
| Interest expense | 619,000 | 1,151,000 | 1,689,000 | 2,222,000 |
| Net interest income | 1,453,000 | 3,082,000 | 4,751,000 | 6,418,000 |
| Noninterest income | 245,000 | 528,000 | 803,000 | 1,053,000 |
| Noninterest expense | 1,170,000 | 2,421,000 | 3,669,000 | 4,839,000 |
| Provision for loan losses | 75,000 | 215,000 | 355,000 | 953,000 |
| Pretax income | 453,000 | 974,000 | 1,530,000 | 1,679,000 |
| Income tax | 141,000 | 325,000 | 503,000 | 530,000 |
| Net income | 312,000 | 649,000 | 1,027,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,316,000 | 13,652,000 | 14,031,000 | 14,153,000 |
| Total capital | 14,355,000 | 14,822,000 | 15,309,000 | 15,406,000 |
| Risk-weighted assets | 115,024,000 | 118,339,000 | 124,101,000 | 126,980,000 |
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