Call reports 2009
PENINSULA BANK, THE — 2009
What PENINSULA 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 | 135,164,000 | 134,701,000 | 135,133,000 | 135,937,000 |
| Total loans | 107,425,000 | 105,754,000 | 105,823,000 | 106,869,000 |
| Allowance for loan losses | 1,354,000 | 1,359,000 | 1,318,000 | 1,371,000 |
| Securities available for sale | 13,592,000 | 13,082,000 | 13,576,000 | 12,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,966,000 | 109,855,000 | 110,094,000 | 111,212,000 |
| Interest-bearing deposits | 97,592,000 | 98,897,000 | 98,884,000 | 98,445,000 |
| Noninterest-bearing deposits | 11,374,000 | 10,958,000 | 11,210,000 | 12,767,000 |
| Equity capital | 15,496,000 | 15,581,000 | 16,040,000 | 15,774,000 |
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 | 2,007,000 | 3,969,000 | 5,811,000 | 7,620,000 |
| Interest expense | 535,000 | 1,029,000 | 1,500,000 | 1,945,000 |
| Net interest income | 1,472,000 | 2,940,000 | 4,311,000 | 5,675,000 |
| Noninterest income | 156,000 | 363,000 | 587,000 | 775,000 |
| Noninterest expense | 1,025,000 | 2,100,000 | 3,151,000 | 4,241,000 |
| Provision for loan losses | 185,000 | 330,000 | 565,000 | 750,000 |
| Pretax income | 418,000 | 873,000 | 1,182,000 | 1,459,000 |
| Income tax | 113,000 | 236,000 | 289,000 | 395,000 |
| Net income | 305,000 | 637,000 | 893,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,352,000 | 15,482,000 | 15,739,000 | 15,549,000 |
| Total capital | 16,629,000 | 16,759,000 | 17,017,000 | 16,850,000 |
| Risk-weighted assets | 102,072,000 | 102,036,000 | 102,215,000 | 103,990,000 |