Call reports 2009
STATE BANK OF PEARL CITY, THE — 2009
What STATE BANK OF PEARL CITY, 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 | 43,397,000 | 43,737,000 | 45,206,000 | 45,868,000 |
| Total loans | 19,285,000 | 19,561,000 | 19,517,000 | 19,181,000 |
| Allowance for loan losses | 248,000 | 160,000 | 166,000 | 179,000 |
| Securities available for sale | 18,070,000 | 19,298,000 | 19,475,000 | 22,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,768,000 | 39,508,000 | 40,684,000 | 41,724,000 |
| Interest-bearing deposits | 34,860,000 | 35,254,000 | 36,938,000 | 36,951,000 |
| Noninterest-bearing deposits | 3,908,000 | 4,254,000 | 3,746,000 | 4,773,000 |
| Equity capital | 4,394,000 | 4,008,000 | 4,278,000 | 3,922,000 |
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 | 564,000 | 1,137,000 | 1,724,000 | 2,311,000 |
| Interest expense | 262,000 | 530,000 | 801,000 | 1,061,000 |
| Net interest income | 302,000 | 607,000 | 923,000 | 1,250,000 |
| Noninterest income | 7,000 | 22,000 | 31,000 | 40,000 |
| Noninterest expense | 313,000 | 604,000 | 913,000 | 1,286,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -19,000 | -5,000 | -4,000 | -56,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -19,000 | -5,000 | -4,000 | -56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,409,000 | 4,422,000 | 4,423,000 | 4,368,000 |
| Total capital | 4,657,000 | 4,582,000 | 4,589,000 | 4,547,000 |
| Risk-weighted assets | 22,999,000 | 24,021,000 | 24,201,000 | 24,397,000 |
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