Call reports 2009
STATE EXCHANGE BANK, THE — 2009
What STATE EXCHANGE BANK, 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 | 30,885,000 | 31,000,000 | 30,050,000 | 32,751,000 |
| Total loans | 18,286,000 | 19,222,000 | 18,383,000 | 18,057,000 |
| Allowance for loan losses | 205,000 | 295,000 | 635,000 | 622,000 |
| Securities available for sale | 10,691,000 | 10,712,000 | 10,649,000 | 10,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,746,000 | 24,572,000 | 23,966,000 | 27,094,000 |
| Interest-bearing deposits | 21,429,000 | 21,206,000 | 21,040,000 | 22,833,000 |
| Noninterest-bearing deposits | 3,317,000 | 3,366,000 | 2,926,000 | 4,260,000 |
| Equity capital | 3,110,000 | 3,033,000 | 2,666,000 | 2,667,000 |
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 | 412,000 | 856,000 | 1,289,000 | 1,702,000 |
| Interest expense | 154,000 | 306,000 | 440,000 | 570,000 |
| Net interest income | 258,000 | 550,000 | 849,000 | 1,132,000 |
| Noninterest income | 20,000 | 51,000 | 58,000 | 74,000 |
| Noninterest expense | 177,000 | 367,000 | 574,000 | 774,000 |
| Provision for loan losses | 125,000 | 275,000 | 855,000 | 855,000 |
| Pretax income | -24,000 | -41,000 | -522,000 | -423,000 |
| Income tax | 3,000 | 8,000 | 15,000 | 0 |
| Net income | -27,000 | -49,000 | -537,000 | -423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,949,000 | 2,928,000 | 2,440,000 | 2,553,000 |
| Total capital | 3,154,000 | 3,190,000 | 2,706,000 | 2,828,000 |
| Risk-weighted assets | 21,053,000 | 22,335,000 | 20,917,000 | 21,664,000 |