Call reports 2009
COMMUNITY BANK OF SNYDER — 2009
What COMMUNITY BANK OF SNYDER 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 | 134,172,000 | 118,211,000 | 103,002,000 | 99,366,000 |
| Total loans | 68,348,000 | 70,962,000 | 73,952,000 | 76,317,000 |
| Allowance for loan losses | 481,000 | 476,000 | 518,000 | 529,000 |
| Securities available for sale | 52,308,000 | 41,179,000 | 24,498,000 | 18,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,072,000 | 104,920,000 | 86,298,000 | 84,093,000 |
| Interest-bearing deposits | 96,798,000 | 85,085,000 | 67,401,000 | 66,107,000 |
| Noninterest-bearing deposits | 24,274,000 | 19,835,000 | 18,897,000 | 17,986,000 |
| Equity capital | 11,434,000 | 11,567,000 | 11,712,000 | 11,743,000 |
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 | 1,495,000 | 2,888,000 | 4,227,000 | 5,450,000 |
| Interest expense | 535,000 | 982,000 | 1,316,000 | 1,524,000 |
| Net interest income | 960,000 | 1,906,000 | 2,911,000 | 3,926,000 |
| Noninterest income | 95,000 | 217,000 | 330,000 | 465,000 |
| Noninterest expense | 758,000 | 1,547,000 | 2,273,000 | 3,021,000 |
| Provision for loan losses | 61,000 | 57,000 | 98,000 | 119,000 |
| Pretax income | 236,000 | 519,000 | 888,000 | 1,269,000 |
| Income tax | 78,000 | 166,000 | 286,000 | 402,000 |
| Net income | 158,000 | 353,000 | 602,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,153,000 | 11,235,000 | 11,373,000 | 11,450,000 |
| Total capital | 11,634,000 | 11,711,000 | 11,891,000 | 11,979,000 |
| Risk-weighted assets | 80,077,000 | 79,918,000 | 78,909,000 | 80,410,000 |