Call reports 2009
COLDWATER NATIVE BANK, THE — 2009
What COLDWATER NATIVE BANK, 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 | 13,798,000 | 13,012,000 | 12,968,000 | 14,897,000 |
| Total loans | 1,853,000 | 2,083,000 | 2,114,000 | 2,075,000 |
| Allowance for loan losses | 35,000 | 25,000 | 23,000 | 23,000 |
| Securities available for sale | 5,746,000 | 5,016,000 | 4,956,000 | 5,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,808,000 | 10,032,000 | 9,984,000 | 11,960,000 |
| Interest-bearing deposits | 8,594,000 | 8,250,000 | 8,029,000 | 9,416,000 |
| Noninterest-bearing deposits | 2,214,000 | 1,782,000 | 1,955,000 | 2,544,000 |
| Equity capital | 2,916,000 | 2,904,000 | 2,910,000 | 2,877,000 |
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 | 107,000 | 198,000 | 288,000 | 373,000 |
| Interest expense | 14,000 | 30,000 | 42,000 | 55,000 |
| Net interest income | 93,000 | 168,000 | 246,000 | 318,000 |
| Noninterest income | 6,000 | 16,000 | 23,000 | 33,000 |
| Noninterest expense | 83,000 | 168,000 | 256,000 | 346,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 16,000 | 13,000 | 5,000 |
| Income tax | 1,000 | 2,000 | 1,000 | 0 |
| Net income | 15,000 | 14,000 | 12,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,870,000 | 2,870,000 | 2,868,000 | 2,861,000 |
| Total capital | 2,905,000 | 2,895,000 | 2,891,000 | 2,884,000 |
| Risk-weighted assets | 4,297,000 | 4,361,000 | 4,351,000 | 4,720,000 |