Call reports 2009
TRADERS BANK, INC. — 2009
What TRADERS BANK, INC. 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 | 170,829,000 | 167,045,000 | 164,209,000 | 158,222,000 |
| Total loans | 100,932,000 | 98,944,000 | 101,869,000 | 97,057,000 |
| Allowance for loan losses | 2,323,000 | 2,312,000 | 2,273,000 | 2,041,000 |
| Securities available for sale | 33,470,000 | 40,531,000 | 36,986,000 | 37,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,744,000 | 135,041,000 | 132,987,000 | 133,477,000 |
| Interest-bearing deposits | 111,400,000 | 109,148,000 | 107,806,000 | 107,361,000 |
| Noninterest-bearing deposits | 27,344,000 | 25,893,000 | 25,181,000 | 26,116,000 |
| Equity capital | 30,372,000 | 30,262,000 | 30,586,000 | 24,433,000 |
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 | 1,951,000 | 3,966,000 | 5,962,000 | 7,901,000 |
| Interest expense | 602,000 | 1,178,000 | 1,720,000 | 2,214,000 |
| Net interest income | 1,349,000 | 2,788,000 | 4,242,000 | 5,687,000 |
| Noninterest income | 118,000 | 328,000 | 578,000 | 394,000 |
| Noninterest expense | 1,261,000 | 2,500,000 | 3,855,000 | 10,958,000 |
| Provision for loan losses | 0 | 0 | 0 | 565,000 |
| Pretax income | 206,000 | 616,000 | 965,000 | -5,442,000 |
| Income tax | 65,000 | 206,000 | 325,000 | 88,000 |
| Net income | 141,000 | 410,000 | 640,000 | -5,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,833,000 | 14,942,000 | 15,091,000 | 14,356,000 |
| Total capital | 16,057,000 | 16,130,000 | 16,301,000 | 15,534,000 |
| Risk-weighted assets | 96,839,000 | 93,908,000 | 95,748,000 | 93,395,000 |