Call reports 2009
S-BANK — 2009
What S-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 | 201,447,000 | 210,970,000 | 214,468,000 | 214,201,000 |
| Total loans | 159,043,000 | 174,262,000 | 177,293,000 | 177,356,000 |
| Allowance for loan losses | 1,288,000 | 1,340,000 | 1,316,000 | 1,629,000 |
| Securities available for sale | 21,346,000 | 21,670,000 | 22,160,000 | 21,110,000 |
| Securities held to maturity | 417,000 | 361,000 | 345,000 | 343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,224,000 | 158,967,000 | 164,218,000 | 165,161,000 |
| Interest-bearing deposits | 126,610,000 | 139,232,000 | 146,415,000 | 146,894,000 |
| Noninterest-bearing deposits | 18,615,000 | 19,735,000 | 17,803,000 | 18,267,000 |
| Equity capital | 14,067,000 | 14,237,000 | 14,626,000 | 14,700,000 |
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 | 2,502,000 | 5,113,000 | 7,890,000 | 10,707,000 |
| Interest expense | 1,203,000 | 2,338,000 | 3,436,000 | 4,414,000 |
| Net interest income | 1,299,000 | 2,775,000 | 4,454,000 | 6,293,000 |
| Noninterest income | 135,000 | 272,000 | 418,000 | 581,000 |
| Noninterest expense | 1,156,000 | 2,591,000 | 3,919,000 | 5,323,000 |
| Provision for loan losses | 76,000 | 128,000 | 159,000 | 522,000 |
| Pretax income | 197,000 | 223,000 | 629,000 | 864,000 |
| Income tax | 67,000 | 62,000 | 197,000 | 288,000 |
| Net income | 130,000 | 161,000 | 432,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,787,000 | 14,803,000 | 15,076,000 | 15,170,000 |
| Total capital | 16,190,000 | 16,258,000 | 16,507,000 | 16,896,000 |
| Risk-weighted assets | 134,002,000 | 155,862,000 | 158,554,000 | 158,675,000 |