Call reports 2009
ST. MARYS STATE BANK, THE — 2009
What ST. MARYS STATE BANK, THE 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 | 84,527,000 | 83,417,000 | 79,246,000 | 77,464,000 |
| Total loans | 55,966,000 | 58,072,000 | 53,780,000 | 53,233,000 |
| Allowance for loan losses | 1,124,000 | 783,000 | 745,000 | 835,000 |
| Securities available for sale | 19,763,000 | 18,793,000 | 18,363,000 | 17,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,377,000 | 61,009,000 | 59,613,000 | 58,920,000 |
| Interest-bearing deposits | 56,013,000 | 51,733,000 | 50,861,000 | 50,111,000 |
| Noninterest-bearing deposits | 9,364,000 | 9,276,000 | 8,752,000 | 8,809,000 |
| Equity capital | 7,424,000 | 7,637,000 | 7,793,000 | 7,677,000 |
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 | 1,048,000 | 2,148,000 | 3,211,000 | 4,241,000 |
| Interest expense | 433,000 | 844,000 | 1,246,000 | 1,631,000 |
| Net interest income | 615,000 | 1,304,000 | 1,965,000 | 2,610,000 |
| Noninterest income | 133,000 | 258,000 | 358,000 | 510,000 |
| Noninterest expense | 557,000 | 1,121,000 | 1,700,000 | 2,296,000 |
| Provision for loan losses | 90,000 | 180,000 | 407,000 | 588,000 |
| Pretax income | 101,000 | 261,000 | 216,000 | 236,000 |
| Income tax | -9,000 | -2,000 | -4,000 | -3,000 |
| Net income | 110,000 | 263,000 | 220,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,264,000 | 7,417,000 | 7,374,000 | 7,393,000 |
| Total capital | 8,064,000 | 8,200,000 | 8,119,000 | 8,127,000 |
| Risk-weighted assets | 63,705,000 | 64,512,000 | 60,175,000 | 58,608,000 |
Machine access — free, no API key
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