Call reports 2009
SILVER LAKE BANK — 2009
What SILVER LAKE 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 | 214,363,000 | 216,356,000 | 210,444,000 | 206,841,000 |
| Total loans | 154,780,000 | 157,008,000 | 154,787,000 | 156,978,000 |
| Allowance for loan losses | 1,165,000 | 1,270,000 | 1,271,000 | 1,272,000 |
| Securities available for sale | 28,870,000 | 34,556,000 | 37,281,000 | 36,029,000 |
| Securities held to maturity | 1,508,000 | 1,415,000 | 1,239,000 | 1,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,612,000 | 162,606,000 | 156,436,000 | 151,088,000 |
| Interest-bearing deposits | 146,385,000 | 145,799,000 | 138,678,000 | 132,466,000 |
| Noninterest-bearing deposits | 16,227,000 | 16,807,000 | 17,758,000 | 18,622,000 |
| Equity capital | 23,481,000 | 23,808,000 | 24,843,000 | 24,508,000 |
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 | 2,571,000 | 5,234,000 | 7,917,000 | 10,621,000 |
| Interest expense | 934,000 | 1,846,000 | 2,716,000 | 3,489,000 |
| Net interest income | 1,637,000 | 3,388,000 | 5,201,000 | 7,132,000 |
| Noninterest income | 124,000 | 282,000 | 445,000 | 618,000 |
| Noninterest expense | 1,157,000 | 2,359,000 | 3,555,000 | 4,928,000 |
| Provision for loan losses | 0 | 70,000 | 70,000 | 963,000 |
| Pretax income | 604,000 | 1,241,000 | 2,021,000 | 1,859,000 |
| Income tax | 197,000 | 398,000 | 645,000 | 560,000 |
| Net income | 407,000 | 843,000 | 1,376,000 | 1,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,250,000 | 23,687,000 | 24,219,000 | 24,142,000 |
| Total capital | 24,415,000 | 24,957,000 | 25,490,000 | 25,414,000 |
| Risk-weighted assets | 180,396,000 | 166,101,000 | 164,436,000 | 163,339,000 |