Call reports 2009
BANK OF ELK RIVER, THE — 2009
What BANK OF ELK RIVER, 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 | 478,847,000 | 481,817,000 | 487,724,000 | 493,997,000 |
| Total loans | 371,037,000 | 379,587,000 | 378,563,000 | 378,099,000 |
| Allowance for loan losses | 3,860,000 | 4,611,000 | 5,874,000 | 6,283,000 |
| Securities available for sale | 71,537,000 | 72,472,000 | 73,562,000 | 46,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,117,000 | 403,603,000 | 411,932,000 | 417,590,000 |
| Interest-bearing deposits | 358,137,000 | 361,764,000 | 366,642,000 | 369,703,000 |
| Noninterest-bearing deposits | 39,980,000 | 41,840,000 | 45,289,000 | 47,886,000 |
| Equity capital | 38,778,000 | 39,592,000 | 37,481,000 | 41,704,000 |
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 | 6,764,000 | 13,540,000 | 20,131,000 | 26,962,000 |
| Interest expense | 2,972,000 | 5,822,000 | 8,599,000 | 11,220,000 |
| Net interest income | 3,792,000 | 7,718,000 | 11,532,000 | 15,742,000 |
| Noninterest income | 870,000 | 1,819,000 | 2,801,000 | 4,149,000 |
| Noninterest expense | 3,058,000 | 6,428,000 | 9,836,000 | 13,114,000 |
| Provision for loan losses | 510,000 | 2,640,000 | 6,965,000 | 7,770,000 |
| Pretax income | 1,094,000 | 469,000 | -2,468,000 | 272,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 1,093,000 | 466,000 | -2,472,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,127,000 | 38,092,000 | 34,933,000 | 41,027,000 |
| Total capital | 40,987,000 | 42,703,000 | 39,911,000 | 46,010,000 |
| Risk-weighted assets | 388,538,000 | 395,153,000 | 397,366,000 | 397,328,000 |