Call reports 2009
BORDER TRUST COMPANY — 2009
What BORDER TRUST COMPANY 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 | 90,957,000 | 85,753,000 | 84,326,000 | 79,761,000 |
| Total loans | 64,770,000 | 65,777,000 | 63,746,000 | 61,465,000 |
| Allowance for loan losses | 1,407,000 | 1,468,000 | 1,510,000 | 1,013,000 |
| Securities available for sale | 11,274,000 | 12,831,000 | 13,661,000 | 10,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,631,000 | 62,891,000 | 62,328,000 | 59,390,000 |
| Interest-bearing deposits | 57,843,000 | 52,585,000 | 52,588,000 | 48,213,000 |
| Noninterest-bearing deposits | 10,788,000 | 10,306,000 | 9,740,000 | 11,177,000 |
| Equity capital | 5,886,000 | 5,434,000 | 5,725,000 | 4,075,000 |
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 | 1,192,000 | 2,257,000 | 3,296,000 | 4,366,000 |
| Interest expense | 492,000 | 931,000 | 1,321,000 | 1,657,000 |
| Net interest income | 700,000 | 1,326,000 | 1,975,000 | 2,709,000 |
| Noninterest income | 96,000 | 131,000 | 182,000 | 203,000 |
| Noninterest expense | 1,023,000 | 1,971,000 | 3,095,000 | 4,240,000 |
| Provision for loan losses | 13,000 | 173,000 | 365,000 | 960,000 |
| Pretax income | -39,000 | -440,000 | -1,056,000 | -2,026,000 |
| Income tax | -5,000 | -153,000 | -364,000 | 187,000 |
| Net income | -34,000 | -287,000 | -692,000 | -2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,121,000 | 4,549,000 | 5,275,000 | 3,576,000 |
| Total capital | 5,861,000 | 5,275,000 | 5,986,000 | 4,252,000 |
| Risk-weighted assets | 57,677,000 | 56,406,000 | 54,676,000 | 52,503,000 |