Call reports 2009
OGLETHORPE BANK — 2009
What OGLETHORPE 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 | 269,792,000 | 258,983,000 | 265,792,000 | 261,487,000 |
| Total loans | 222,530,000 | 215,171,000 | 213,636,000 | 207,993,000 |
| Allowance for loan losses | 3,486,000 | 3,264,000 | 3,561,000 | 11,134,000 |
| Securities available for sale | 7,452,000 | 11,424,000 | 11,630,000 | 13,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,254,000 | 221,414,000 | 230,318,000 | 234,144,000 |
| Interest-bearing deposits | 215,680,000 | 210,197,000 | 219,461,000 | 223,885,000 |
| Noninterest-bearing deposits | 13,574,000 | 11,217,000 | 10,856,000 | 10,259,000 |
| Equity capital | 20,866,000 | 20,727,000 | 19,759,000 | 9,204,000 |
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 | 3,289,000 | 6,525,000 | 9,891,000 | 13,079,000 |
| Interest expense | 1,849,000 | 3,712,000 | 5,407,000 | 6,887,000 |
| Net interest income | 1,440,000 | 2,813,000 | 4,484,000 | 6,192,000 |
| Noninterest income | 290,000 | 138,000 | -185,000 | -90,000 |
| Noninterest expense | 1,707,000 | 3,275,000 | 4,840,000 | 6,625,000 |
| Provision for loan losses | 2,005,000 | 2,830,000 | 5,655,000 | 16,090,000 |
| Pretax income | -1,982,000 | -3,154,000 | -6,199,000 | -16,616,000 |
| Income tax | -708,000 | -1,115,000 | -2,356,000 | -2,356,000 |
| Net income | -1,274,000 | -2,039,000 | -3,843,000 | -14,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,887,000 | 20,844,000 | 18,434,000 | 7,552,000 |
| Total capital | 23,537,000 | 23,371,000 | 21,013,000 | 10,032,000 |
| Risk-weighted assets | 210,382,000 | 206,683,000 | 204,606,000 | 189,806,000 |