Call reports 2009
BANK FORWARD — 2009
What BANK FORWARD 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 | 459,220,000 | 493,042,000 | 512,510,000 | 493,146,000 |
| Total loans | 360,514,000 | 387,345,000 | 400,168,000 | 391,215,000 |
| Allowance for loan losses | 5,426,000 | 5,123,000 | 5,323,000 | 6,004,000 |
| Securities available for sale | 60,405,000 | 55,680,000 | 60,714,000 | 42,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,395,000 | 371,695,000 | 379,100,000 | 392,947,000 |
| Interest-bearing deposits | 309,839,000 | 322,370,000 | 327,343,000 | 333,978,000 |
| Noninterest-bearing deposits | 45,556,000 | 49,325,000 | 51,757,000 | 58,969,000 |
| Equity capital | 36,484,000 | 41,998,000 | 43,477,000 | 40,653,000 |
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 | 6,219,000 | 12,736,000 | 19,605,000 | 26,215,000 |
| Interest expense | 2,418,000 | 4,971,000 | 7,539,000 | 10,102,000 |
| Net interest income | 3,801,000 | 7,765,000 | 12,066,000 | 16,113,000 |
| Noninterest income | 1,752,000 | 3,292,000 | 5,126,000 | 6,340,000 |
| Noninterest expense | 4,554,000 | 9,751,000 | 14,701,000 | 19,927,000 |
| Provision for loan losses | 640,000 | 859,000 | 2,239,000 | 7,559,000 |
| Pretax income | 521,000 | 609,000 | 785,000 | -4,187,000 |
| Income tax | 37,000 | 79,000 | 42,000 | -210,000 |
| Net income | 484,000 | 530,000 | 743,000 | -3,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,563,000 | 31,947,000 | 33,214,000 | 31,038,000 |
| Total capital | 38,230,000 | 42,934,000 | 44,357,000 | 42,153,000 |
| Risk-weighted assets | 371,829,000 | 398,070,000 | 413,511,000 | 407,623,000 |