Call reports 2009
FOLSOM LAKE BANK — 2009
What FOLSOM LAKE 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 | 71,234,000 | 77,482,000 | 91,788,000 | 102,610,000 |
| Total loans | 43,444,000 | 49,099,000 | 60,376,000 | 63,950,000 |
| Allowance for loan losses | 626,000 | 705,000 | 905,000 | 1,659,000 |
| Securities available for sale | 13,486,000 | 11,026,000 | 16,064,000 | 23,173,000 |
| Securities held to maturity | 5,465,000 | 4,830,000 | 4,387,000 | 4,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,160,000 | 61,446,000 | 75,720,000 | 87,866,000 |
| Interest-bearing deposits | 43,224,000 | 51,283,000 | 64,336,000 | 72,411,000 |
| Noninterest-bearing deposits | 11,937,000 | 10,163,000 | 11,384,000 | 15,455,000 |
| Equity capital | 12,900,000 | 12,774,000 | 12,642,000 | 11,277,000 |
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 | 879,000 | 1,858,000 | 2,932,000 | 4,198,000 |
| Interest expense | 245,000 | 489,000 | 756,000 | 1,044,000 |
| Net interest income | 634,000 | 1,369,000 | 2,176,000 | 3,154,000 |
| Noninterest income | 67,000 | 156,000 | 243,000 | 348,000 |
| Noninterest expense | 863,000 | 1,811,000 | 2,839,000 | 3,938,000 |
| Provision for loan losses | 300,000 | 377,000 | 577,000 | 1,769,000 |
| Pretax income | -462,000 | -543,000 | -877,000 | -2,053,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -462,000 | -543,000 | -877,000 | -2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,491,000 | 12,488,000 | 12,236,000 | 11,139,000 |
| Total capital | 13,117,000 | 13,193,000 | 13,121,000 | 12,077,000 |
| Risk-weighted assets | 55,231,000 | 59,763,000 | 70,747,000 | 74,321,000 |