Call reports 2009
STATE BANK OF DRUMMOND — 2009
What STATE BANK OF DRUMMOND 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 | 40,036,000 | 40,831,000 | 42,086,000 | 41,389,000 |
| Total loans | 28,308,000 | 28,028,000 | 27,549,000 | 27,481,000 |
| Allowance for loan losses | 425,000 | 415,000 | 396,000 | 411,000 |
| Securities available for sale | 7,123,000 | 7,068,000 | 7,747,000 | 6,860,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,522,000 | 35,229,000 | 36,054,000 | 35,137,000 |
| Interest-bearing deposits | 28,400,000 | 30,208,000 | 31,110,000 | 29,933,000 |
| Noninterest-bearing deposits | 4,122,000 | 5,021,000 | 4,944,000 | 5,204,000 |
| Equity capital | 5,451,000 | 5,462,000 | 5,638,000 | 5,597,000 |
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 | 538,000 | 1,061,000 | 1,606,000 | 2,132,000 |
| Interest expense | 109,000 | 198,000 | 284,000 | 357,000 |
| Net interest income | 429,000 | 863,000 | 1,322,000 | 1,775,000 |
| Noninterest income | 62,000 | 132,000 | 202,000 | 295,000 |
| Noninterest expense | 356,000 | 734,000 | 1,122,000 | 1,523,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 29,000 |
| Pretax income | 131,000 | 252,000 | 388,000 | 518,000 |
| Income tax | 25,000 | 49,000 | 76,000 | 95,000 |
| Net income | 106,000 | 203,000 | 312,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,331,000 | 5,356,000 | 5,465,000 | 5,445,000 |
| Total capital | 5,672,000 | 5,697,000 | 5,825,000 | 5,804,000 |
| Risk-weighted assets | 27,189,000 | 27,239,000 | 28,727,000 | 28,701,000 |