Call reports 2009
FOSTER BANK, THE — 2009
What FOSTER 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 | 565,970,000 | 584,640,000 | 566,204,000 | 557,097,000 |
| Total loans | 527,302,000 | 519,103,000 | 516,845,000 | 506,610,000 |
| Allowance for loan losses | 6,902,000 | 6,223,000 | 6,120,000 | 7,559,000 |
| Securities available for sale | 16,084,000 | 15,348,000 | 15,120,000 | 14,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,926,000 | 451,120,000 | 442,911,000 | 444,002,000 |
| Interest-bearing deposits | 324,464,000 | 356,527,000 | 346,500,000 | 350,636,000 |
| Noninterest-bearing deposits | 91,462,000 | 94,593,000 | 96,411,000 | 93,366,000 |
| Equity capital | 54,186,000 | 53,882,000 | 53,911,000 | 52,868,000 |
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 | 7,959,000 | 15,840,000 | 23,707,000 | 31,280,000 |
| Interest expense | 3,119,000 | 6,146,000 | 9,074,000 | 11,549,000 |
| Net interest income | 4,840,000 | 9,694,000 | 14,633,000 | 19,731,000 |
| Noninterest income | 1,122,000 | 2,299,000 | 3,384,000 | 4,470,000 |
| Noninterest expense | 3,982,000 | 8,194,000 | 12,097,000 | 16,904,000 |
| Provision for loan losses | 775,000 | 1,925,000 | 4,025,000 | 6,225,000 |
| Pretax income | 1,205,000 | 1,874,000 | 1,895,000 | 1,099,000 |
| Income tax | 28,000 | 56,000 | 87,000 | 44,000 |
| Net income | 1,177,000 | 1,818,000 | 1,808,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,913,000 | 53,599,000 | 53,498,000 | 52,398,000 |
| Total capital | 59,999,000 | 59,628,000 | 59,493,000 | 58,297,000 |
| Risk-weighted assets | 486,068,000 | 482,092,000 | 479,502,000 | 470,239,000 |