Call reports 2009
STONE BANK — 2009
What STONE 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 | 10,717,000 | 24,676,000 | 40,977,000 | 56,062,000 |
| Total loans | 6,823,000 | 12,469,000 | 19,978,000 | 30,568,000 |
| Allowance for loan losses | 643,000 | 76,000 | 126,000 | 652,000 |
| Securities available for sale | 0 | 2,504,000 | 6,503,000 | 15,815,000 |
| Securities held to maturity | 2,482,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,749,000 | 19,424,000 | 35,735,000 | 50,714,000 |
| Interest-bearing deposits | 5,516,000 | 16,150,000 | 32,493,000 | 47,453,000 |
| Noninterest-bearing deposits | 3,233,000 | 3,274,000 | 3,242,000 | 3,261,000 |
| Equity capital | 1,585,000 | 5,199,000 | 5,112,000 | 5,074,000 |
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 | 155,000 | 194,000 | 585,000 | 1,205,000 |
| Interest expense | 30,000 | 36,000 | 192,000 | 485,000 |
| Net interest income | 125,000 | 158,000 | 393,000 | 720,000 |
| Noninterest income | 13,000 | 32,000 | 128,000 | 245,000 |
| Noninterest expense | 152,000 | 941,000 | 1,408,000 | 2,024,000 |
| Provision for loan losses | 0 | 76,000 | 126,000 | 787,000 |
| Pretax income | -13,000 | -828,000 | -1,013,000 | -1,846,000 |
| Income tax | 0 | -343,000 | -382,000 | -935,000 |
| Net income | -13,000 | -485,000 | -631,000 | -911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,585,000 | 3,929,000 | 3,807,000 | 3,549,000 |
| Total capital | 1,670,000 | 4,005,000 | 3,933,000 | 3,960,000 |
| Risk-weighted assets | 5,865,000 | 13,429,000 | 25,080,000 | 32,608,000 |