Call reports 2009
SCOTTDALE BANK & TRUST CO. THE — 2009
What SCOTTDALE BANK & TRUST CO. THE 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 | 180,482,000 | 182,935,000 | 192,495,000 | 195,101,000 |
| Total loans | 64,021,000 | 64,533,000 | 65,139,000 | 64,472,000 |
| Allowance for loan losses | 1,049,000 | 1,080,000 | 766,000 | 766,000 |
| Securities available for sale | 47,416,000 | 45,680,000 | 45,992,000 | 42,521,000 |
| Securities held to maturity | 46,505,000 | 48,870,000 | 52,869,000 | 56,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,210,000 | 143,390,000 | 151,726,000 | 154,594,000 |
| Interest-bearing deposits | 116,701,000 | 117,803,000 | 122,205,000 | 126,511,000 |
| Noninterest-bearing deposits | 25,509,000 | 25,587,000 | 29,521,000 | 28,083,000 |
| Equity capital | 37,331,000 | 38,642,000 | 39,803,000 | 40,154,000 |
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 | 1,924,000 | 3,860,000 | 5,809,000 | 7,674,000 |
| Interest expense | 489,000 | 916,000 | 1,355,000 | 1,793,000 |
| Net interest income | 1,435,000 | 2,944,000 | 4,454,000 | 5,881,000 |
| Noninterest income | 87,000 | 181,000 | 280,000 | 385,000 |
| Noninterest expense | 1,064,000 | 2,188,000 | 3,390,000 | 4,509,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 60,000 |
| Pretax income | 458,000 | 907,000 | 1,284,000 | 1,697,000 |
| Income tax | 18,000 | 12,000 | -23,000 | 113,000 |
| Net income | 440,000 | 895,000 | 1,307,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,370,000 | 37,823,000 | 38,194,000 | 38,475,000 |
| Total capital | 38,419,000 | 38,903,000 | 38,960,000 | 39,241,000 |
| Risk-weighted assets | 102,402,000 | 101,626,000 | 106,812,000 | 107,557,000 |