Call reports 2009
BANK REALE — 2009
What BANK REALE 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 | 35,586,000 | 34,304,000 | 35,743,000 | 41,138,000 |
| Total loans | 24,317,000 | 23,973,000 | 23,300,000 | 22,104,000 |
| Allowance for loan losses | 650,000 | 535,000 | 475,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,565,000 | 29,659,000 | 31,336,000 | 37,223,000 |
| Interest-bearing deposits | 26,106,000 | 25,437,000 | 26,712,000 | 32,706,000 |
| Noninterest-bearing deposits | 4,459,000 | 4,222,000 | 4,624,000 | 4,517,000 |
| Equity capital | 4,656,000 | 4,403,000 | 4,101,000 | 3,767,000 |
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 | 455,000 | 858,000 | 1,285,000 | 1,716,000 |
| Interest expense | 217,000 | 416,000 | 609,000 | 786,000 |
| Net interest income | 238,000 | 442,000 | 676,000 | 930,000 |
| Noninterest income | 31,000 | 22,000 | 97,000 | 112,000 |
| Noninterest expense | 537,000 | 1,032,000 | 1,661,000 | 2,139,000 |
| Provision for loan losses | 44,000 | 9,000 | 3,000 | 143,000 |
| Pretax income | -312,000 | -577,000 | -891,000 | -1,240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -312,000 | -577,000 | -891,000 | -1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,656,000 | 4,403,000 | 4,101,000 | 3,767,000 |
| Total capital | 5,009,000 | 4,748,000 | 4,451,000 | 4,122,000 |
| Risk-weighted assets | 28,059,000 | 27,503,000 | 27,843,000 | 28,981,000 |