Call reports 2009
BENCHMARK BANK — 2009
What BENCHMARK 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 |
|---|---|---|---|
| Total assets | 218,748,000 | 187,302,000 | 173,062,000 |
| Total loans | 158,630,000 | 139,758,000 | 128,163,000 |
| Allowance for loan losses | 7,551,000 | 5,700,000 | 11,126,000 |
| Securities available for sale | 37,073,000 | 33,021,000 | 27,752,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 202,176,000 | 190,874,000 | 182,760,000 |
| Interest-bearing deposits | 177,136,000 | 171,068,000 | 160,846,000 |
| Noninterest-bearing deposits | 25,041,000 | 19,806,000 | 21,914,000 |
| Equity capital | 7,488,000 | -16,297,000 | -23,388,000 |
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 |
|---|---|---|---|
| Interest income | 2,607,000 | 4,998,000 | 7,228,000 |
| Interest expense | 1,347,000 | 2,604,000 | 3,742,000 |
| Net interest income | 1,260,000 | 2,394,000 | 3,486,000 |
| Noninterest income | 233,000 | 533,000 | 799,000 |
| Noninterest expense | 1,567,000 | 8,226,000 | 12,142,000 |
| Provision for loan losses | 725,000 | 16,021,000 | 22,048,000 |
| Pretax income | -830,000 | -25,962,000 | -34,723,000 |
| Income tax | 0 | 798,000 | 798,000 |
| Net income | -830,000 | -26,760,000 | -35,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 10,860,000 | -15,070,000 | -23,831,000 |
| Total capital | 13,294,000 | -15,070,000 | -23,831,000 |
| Risk-weighted assets | 189,488,000 | 158,357,000 | 142,126,000 |