Call reports 2009
BATH STATE BANK — 2009
What BATH STATE 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 | 152,041,000 | 148,718,000 | 149,551,000 | 153,697,000 |
| Total loans | 121,203,000 | 123,205,000 | 124,726,000 | 120,147,000 |
| Allowance for loan losses | 1,812,000 | 2,125,000 | 2,594,000 | 2,922,000 |
| Securities available for sale | 13,612,000 | 12,763,000 | 12,934,000 | 12,706,000 |
| Securities held to maturity | 1,143,000 | 1,120,000 | 1,097,000 | 1,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,522,000 | 121,700,000 | 123,286,000 | 130,422,000 |
| Interest-bearing deposits | 117,616,000 | 115,869,000 | 117,215,000 | 123,226,000 |
| Noninterest-bearing deposits | 6,906,000 | 5,831,000 | 6,072,000 | 7,196,000 |
| Equity capital | 13,062,000 | 12,898,000 | 12,302,000 | 11,851,000 |
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 | 2,323,000 | 4,518,000 | 6,778,000 | 9,100,000 |
| Interest expense | 1,176,000 | 2,232,000 | 3,232,000 | 4,180,000 |
| Net interest income | 1,147,000 | 2,286,000 | 3,546,000 | 4,920,000 |
| Noninterest income | 217,000 | 539,000 | 821,000 | 1,139,000 |
| Noninterest expense | 964,000 | 1,909,000 | 2,987,000 | 3,941,000 |
| Provision for loan losses | 1,623,000 | 2,006,000 | 3,458,000 | 4,146,000 |
| Pretax income | -1,178,000 | -1,045,000 | -2,033,000 | -2,052,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,178,000 | -1,045,000 | -2,033,000 | -2,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,203,000 | 13,212,000 | 12,142,000 | 11,727,000 |
| Total capital | 14,746,000 | 14,777,000 | 13,733,000 | 13,284,000 |
| Risk-weighted assets | 123,191,000 | 124,629,000 | 126,252,000 | 123,188,000 |