Call reports 2009
STATE BANK OF DE KALB — 2009
What STATE BANK OF DE KALB 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 | 117,864,000 | 118,356,000 | 117,601,000 | 118,735,000 |
| Total loans | 53,773,000 | 58,982,000 | 64,516,000 | 68,235,000 |
| Allowance for loan losses | 709,000 | 837,000 | 795,000 | 839,000 |
| Securities available for sale | 17,065,000 | 15,270,000 | 14,972,000 | 12,284,000 |
| Securities held to maturity | 41,528,000 | 32,033,000 | 34,717,000 | 17,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,588,000 | 100,683,000 | 98,908,000 | 101,056,000 |
| Interest-bearing deposits | 83,648,000 | 83,256,000 | 81,008,000 | 83,120,000 |
| Noninterest-bearing deposits | 16,940,000 | 17,427,000 | 17,900,000 | 17,937,000 |
| Equity capital | 17,023,000 | 17,315,000 | 17,769,000 | 17,477,000 |
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 | 1,420,000 | 2,785,000 | 4,224,000 | 5,619,000 |
| Interest expense | 366,000 | 701,000 | 997,000 | 1,258,000 |
| Net interest income | 1,054,000 | 2,084,000 | 3,227,000 | 4,361,000 |
| Noninterest income | 129,000 | 260,000 | 396,000 | 526,000 |
| Noninterest expense | 639,000 | 1,366,000 | 2,053,000 | 2,770,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 225,000 |
| Pretax income | 544,000 | 901,000 | 1,493,000 | 2,023,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 544,000 | 901,000 | 1,493,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,098,000 | 17,080,000 | 17,297,000 | 17,077,000 |
| Total capital | 17,807,000 | 17,917,000 | 18,092,000 | 17,916,000 |
| Risk-weighted assets | 79,609,000 | 82,175,000 | 80,386,000 | 80,996,000 |