Call reports 2009
NAPOLEON STATE BANK, THE — 2009
What NAPOLEON STATE 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 | 133,757,000 | 134,573,000 | 137,545,000 | 143,982,000 |
| Total loans | 100,116,000 | 102,411,000 | 106,637,000 | 107,718,000 |
| Allowance for loan losses | 1,065,000 | 1,092,000 | 1,116,000 | 1,225,000 |
| Securities available for sale | 6,159,000 | 9,258,000 | 8,406,000 | 8,140,000 |
| Securities held to maturity | 4,965,000 | 5,200,000 | 5,401,000 | 5,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,967,000 | 116,539,000 | 117,340,000 | 123,868,000 |
| Interest-bearing deposits | 100,716,000 | 102,686,000 | 104,796,000 | 107,943,000 |
| Noninterest-bearing deposits | 15,251,000 | 13,853,000 | 12,544,000 | 15,925,000 |
| Equity capital | 12,995,000 | 13,178,000 | 13,394,000 | 13,358,000 |
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 | 1,727,000 | 3,424,000 | 5,187,000 | 6,952,000 |
| Interest expense | 751,000 | 1,469,000 | 2,153,000 | 2,808,000 |
| Net interest income | 976,000 | 1,955,000 | 3,034,000 | 4,144,000 |
| Noninterest income | 389,000 | 813,000 | 1,099,000 | 1,386,000 |
| Noninterest expense | 873,000 | 1,781,000 | 2,665,000 | 3,667,000 |
| Provision for loan losses | 90,000 | 210,000 | 360,000 | 600,000 |
| Pretax income | 402,000 | 777,000 | 1,108,000 | 1,263,000 |
| Income tax | 147,000 | 283,000 | 402,000 | 451,000 |
| Net income | 255,000 | 494,000 | 706,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,940,000 | 13,114,000 | 13,324,000 | 13,298,000 |
| Total capital | 14,005,000 | 14,206,000 | 14,440,000 | 14,523,000 |
| Risk-weighted assets | 95,275,000 | 97,316,000 | 100,770,000 | 103,308,000 |