Call reports 2009
STATE BANK OF WHEATON — 2009
What STATE BANK OF WHEATON 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 | 66,287,000 | 65,939,000 | 64,378,000 | 67,281,000 |
| Total loans | 55,150,000 | 56,834,000 | 56,216,000 | 54,414,000 |
| Allowance for loan losses | 1,100,000 | 1,250,000 | 1,450,000 | 1,450,000 |
| Securities available for sale | 4,661,000 | 4,639,000 | 4,535,000 | 4,428,000 |
| Securities held to maturity | 526,000 | 508,000 | 483,000 | 466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,701,000 | 49,572,000 | 48,617,000 | 52,971,000 |
| Interest-bearing deposits | 44,480,000 | 43,049,000 | 41,832,000 | 44,919,000 |
| Noninterest-bearing deposits | 7,221,000 | 6,523,000 | 6,785,000 | 8,052,000 |
| Equity capital | 14,167,000 | 14,183,000 | 14,141,000 | 14,183,000 |
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 | 948,000 | 1,915,000 | 2,832,000 | 3,771,000 |
| Interest expense | 247,000 | 480,000 | 696,000 | 895,000 |
| Net interest income | 701,000 | 1,435,000 | 2,136,000 | 2,876,000 |
| Noninterest income | 38,000 | 71,000 | 102,000 | 131,000 |
| Noninterest expense | 440,000 | 858,000 | 1,249,000 | 1,470,000 |
| Provision for loan losses | 245,000 | 495,000 | 831,000 | 1,369,000 |
| Pretax income | 54,000 | 153,000 | 158,000 | 168,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 54,000 | 153,000 | 158,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,208,000 | 14,168,000 | 14,090,000 | 14,099,000 |
| Total capital | 14,899,000 | 14,876,000 | 14,790,000 | 14,784,000 |
| Risk-weighted assets | 54,907,000 | 56,060,000 | 55,233,000 | 54,047,000 |