Call reports 2009
GLASGOW SAVINGS BANK — 2009
What GLASGOW SAVINGS 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 | 36,788,000 | 36,822,000 | 35,090,000 | 36,557,000 |
| Total loans | 30,669,000 | 29,728,000 | 29,485,000 | 23,513,000 |
| Allowance for loan losses | 387,000 | 572,000 | 589,000 | 674,000 |
| Securities available for sale | 0 | 200,000 | 250,000 | 250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,057,000 | 31,351,000 | 29,768,000 | 31,474,000 |
| Interest-bearing deposits | 27,402,000 | 27,833,000 | 26,567,000 | 27,639,000 |
| Noninterest-bearing deposits | 3,655,000 | 3,518,000 | 3,201,000 | 3,835,000 |
| Equity capital | 5,340,000 | 5,140,000 | 5,163,000 | 4,942,000 |
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 | 485,000 | 954,000 | 1,419,000 | 1,843,000 |
| Interest expense | 119,000 | 229,000 | 331,000 | 435,000 |
| Net interest income | 366,000 | 725,000 | 1,088,000 | 1,408,000 |
| Noninterest income | 15,000 | 18,000 | 46,000 | 74,000 |
| Noninterest expense | 273,000 | 563,000 | 864,000 | 1,155,000 |
| Provision for loan losses | 130,000 | 380,000 | 409,000 | 816,000 |
| Pretax income | -22,000 | -200,000 | -139,000 | -489,000 |
| Income tax | -8,000 | -76,000 | -54,000 | -184,000 |
| Net income | -14,000 | -124,000 | -85,000 | -305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,603,000 | 3,418,000 | 3,456,000 | 3,250,000 |
| Total capital | 3,958,000 | 3,774,000 | 3,805,000 | 3,554,000 |
| Risk-weighted assets | 28,338,000 | 28,387,000 | 27,597,000 | 24,630,000 |