Call reports 2009
TRADITIONS BANK — 2009
What TRADITIONS BANK 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 | 190,880,000 | 196,719,000 | 200,571,000 | 206,714,000 |
| Total loans | 152,524,000 | 156,539,000 | 157,086,000 | 161,476,000 |
| Allowance for loan losses | 1,663,000 | 1,702,000 | 1,847,000 | 1,696,000 |
| Securities available for sale | 9,322,000 | 10,048,000 | 16,328,000 | 15,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,593,000 | 175,780,000 | 179,029,000 | 184,973,000 |
| Interest-bearing deposits | 158,035,000 | 161,463,000 | 165,264,000 | 170,999,000 |
| Noninterest-bearing deposits | 12,558,000 | 14,317,000 | 13,765,000 | 13,974,000 |
| Equity capital | 16,295,000 | 17,182,000 | 17,765,000 | 18,212,000 |
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 | 3,107,000 | 6,241,000 | 9,368,000 | 12,599,000 |
| Interest expense | 1,206,000 | 2,324,000 | 3,351,000 | 4,172,000 |
| Net interest income | 1,901,000 | 3,917,000 | 6,017,000 | 8,427,000 |
| Noninterest income | 387,000 | 611,000 | 1,167,000 | 1,567,000 |
| Noninterest expense | 1,558,000 | 3,378,000 | 5,344,000 | 7,355,000 |
| Provision for loan losses | 156,000 | 513,000 | 833,000 | 1,284,000 |
| Pretax income | 574,000 | 668,000 | 1,060,000 | 1,408,000 |
| Income tax | 207,000 | 275,000 | 415,000 | 483,000 |
| Net income | 367,000 | 393,000 | 645,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,528,000 | 17,387,000 | 17,659,000 | 18,258,000 |
| Total capital | 18,191,000 | 19,089,000 | 19,506,000 | 19,954,000 |
| Risk-weighted assets | 150,276,000 | 155,390,000 | 154,899,000 | 157,506,000 |