Call reports 2009
STATE BANK OF BOTTINEAU — 2009
What STATE BANK OF BOTTINEAU 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 | 49,873,000 | 49,346,000 | 49,892,000 | 53,070,000 |
| Total loans | 38,431,000 | 40,088,000 | 40,566,000 | 38,439,000 |
| Allowance for loan losses | 502,000 | 519,000 | 454,000 | 433,000 |
| Securities available for sale | 1,431,000 | 1,605,000 | 1,426,000 | 1,429,000 |
| Securities held to maturity | 1,694,000 | 1,607,000 | 1,555,000 | 1,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,162,000 | 43,520,000 | 44,217,000 | 47,290,000 |
| Interest-bearing deposits | 38,598,000 | 38,172,000 | 38,578,000 | 41,129,000 |
| Noninterest-bearing deposits | 5,564,000 | 5,348,000 | 5,639,000 | 6,161,000 |
| Equity capital | 4,539,000 | 4,612,000 | 4,442,000 | 4,583,000 |
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 | 642,000 | 1,313,000 | 2,024,000 | 2,684,000 |
| Interest expense | 221,000 | 421,000 | 611,000 | 811,000 |
| Net interest income | 421,000 | 892,000 | 1,413,000 | 1,873,000 |
| Noninterest income | 58,000 | 126,000 | 198,000 | 340,000 |
| Noninterest expense | 394,000 | 854,000 | 1,253,000 | 1,667,000 |
| Provision for loan losses | 10,000 | 27,000 | 384,000 | 566,000 |
| Pretax income | 75,000 | 137,000 | -26,000 | -20,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 23,000 |
| Net income | 68,000 | 123,000 | -47,000 | -43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,199,000 | 4,259,000 | 4,095,000 | 4,249,000 |
| Total capital | 4,637,000 | 4,727,000 | 4,549,000 | 4,682,000 |
| Risk-weighted assets | 35,013,000 | 37,660,000 | 37,308,000 | 37,672,000 |