Call reports 2009
DEDICATED COMMUNITY BANK — 2009
What DEDICATED COMMUNITY 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 | 42,249,000 | 43,551,000 | 45,701,000 | 42,604,000 |
| Total loans | 25,077,000 | 26,493,000 | 27,223,000 | 27,107,000 |
| Allowance for loan losses | 243,000 | 227,000 | 229,000 | 261,000 |
| Securities available for sale | 8,620,000 | 8,668,000 | 7,383,000 | 7,511,000 |
| Securities held to maturity | 2,443,000 | 2,856,000 | 2,854,000 | 2,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,155,000 | 38,512,000 | 40,460,000 | 37,391,000 |
| Interest-bearing deposits | 29,718,000 | 30,835,000 | 30,232,000 | 29,536,000 |
| Noninterest-bearing deposits | 7,437,000 | 7,677,000 | 10,228,000 | 7,855,000 |
| Equity capital | 5,001,000 | 4,980,000 | 5,142,000 | 5,166,000 |
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 | 526,000 | 1,054,000 | 1,614,000 | 2,154,000 |
| Interest expense | 101,000 | 198,000 | 286,000 | 367,000 |
| Net interest income | 425,000 | 856,000 | 1,328,000 | 1,787,000 |
| Noninterest income | 79,000 | 157,000 | 245,000 | 325,000 |
| Noninterest expense | 406,000 | 818,000 | 1,226,000 | 1,665,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 112,000 |
| Pretax income | 80,000 | 159,000 | 293,000 | 335,000 |
| Income tax | 28,000 | 50,000 | 89,000 | 84,000 |
| Net income | 52,000 | 59,000 | 154,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,924,000 | 4,931,000 | 5,026,000 | 5,073,000 |
| Total capital | 5,167,000 | 5,158,000 | 5,255,000 | 5,334,000 |
| Risk-weighted assets | 28,915,000 | 29,999,000 | 30,979,000 | 30,631,000 |