Call reports 2009
BANK OF ERATH — 2009
What BANK OF ERATH 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 | 84,044,000 | 80,969,000 | 79,653,000 | 80,761,000 |
| Total loans | 46,705,000 | 46,908,000 | 46,730,000 | 45,272,000 |
| Allowance for loan losses | 598,000 | 544,000 | 586,000 | 551,000 |
| Securities available for sale | 25,554,000 | 24,849,000 | 25,146,000 | 20,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,687,000 | 68,181,000 | 66,272,000 | 67,734,000 |
| Interest-bearing deposits | 46,892,000 | 45,198,000 | 43,481,000 | 43,994,000 |
| Noninterest-bearing deposits | 24,795,000 | 22,983,000 | 22,791,000 | 23,740,000 |
| Equity capital | 11,727,000 | 11,908,000 | 12,407,000 | 12,042,000 |
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 | 1,023,000 | 2,042,000 | 3,054,000 | 4,032,000 |
| Interest expense | 153,000 | 286,000 | 411,000 | 532,000 |
| Net interest income | 870,000 | 1,756,000 | 2,643,000 | 3,500,000 |
| Noninterest income | 97,000 | 201,000 | 319,000 | 422,000 |
| Noninterest expense | 713,000 | 1,419,000 | 2,123,000 | 3,030,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 100,000 |
| Pretax income | 254,000 | 488,000 | 764,000 | 792,000 |
| Income tax | 76,000 | 163,000 | 198,000 | 135,000 |
| Net income | 178,000 | 325,000 | 566,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,495,000 | 11,682,000 | 11,923,000 | 11,707,000 |
| Total capital | 12,093,000 | 12,226,000 | 12,509,000 | 12,258,000 |
| Risk-weighted assets | 61,037,000 | 53,102,000 | 53,539,000 | 59,684,000 |