Call reports 2009
PEDESTAL BANK — 2009
What PEDESTAL 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 | 336,297,000 | 341,356,000 | 345,779,000 | 335,295,000 |
| Total loans | 238,065,000 | 246,914,000 | 250,496,000 | 238,417,000 |
| Allowance for loan losses | 3,204,000 | 4,036,000 | 4,342,000 | 3,941,000 |
| Securities available for sale | 51,313,000 | 48,180,000 | 55,173,000 | 49,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,757,000 | 293,720,000 | 296,779,000 | 288,628,000 |
| Interest-bearing deposits | 217,690,000 | 226,004,000 | 233,853,000 | 223,989,000 |
| Noninterest-bearing deposits | 69,067,000 | 67,716,000 | 62,926,000 | 64,639,000 |
| Equity capital | 25,418,000 | 24,510,000 | 25,822,000 | 24,227,000 |
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 | 4,745,000 | 9,629,000 | 14,479,000 | 19,130,000 |
| Interest expense | 1,370,000 | 2,701,000 | 4,087,000 | 5,483,000 |
| Net interest income | 3,375,000 | 6,928,000 | 10,392,000 | 13,647,000 |
| Noninterest income | 402,000 | 872,000 | 1,359,000 | 1,880,000 |
| Noninterest expense | 2,343,000 | 4,681,000 | 6,871,000 | 8,925,000 |
| Provision for loan losses | 225,000 | 1,454,000 | 1,795,000 | 3,835,000 |
| Pretax income | 1,209,000 | 1,665,000 | 3,085,000 | 2,767,000 |
| Income tax | 0 | 0 | 0 | -236,000 |
| Net income | 1,209,000 | 1,665,000 | 3,085,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,527,000 | 27,268,000 | 28,188,000 | 27,439,000 |
| Total capital | 30,731,000 | 30,911,000 | 31,884,000 | 30,865,000 |
| Risk-weighted assets | 261,711,000 | 291,070,000 | 295,037,000 | 273,579,000 |