Call reports 2009
ALMENA STATE BANK — 2009
What ALMENA STATE 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 | 16,521,000 | 17,975,000 | 18,758,000 | 19,733,000 |
| Total loans | 13,164,000 | 14,787,000 | 15,391,000 | 15,752,000 |
| Allowance for loan losses | 93,000 | 93,000 | 104,000 | 118,000 |
| Securities available for sale | 753,000 | 1,102,000 | 1,249,000 | 1,503,000 |
| Securities held to maturity | 11,000 | 11,000 | 11,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,261,000 | 16,752,000 | 17,240,000 | 18,334,000 |
| Interest-bearing deposits | 12,764,000 | 14,007,000 | 14,656,000 | 15,290,000 |
| Noninterest-bearing deposits | 2,497,000 | 2,745,000 | 2,583,000 | 3,044,000 |
| Equity capital | 1,199,000 | 1,175,000 | 1,290,000 | 1,353,000 |
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 | 295,000 | 584,000 | 909,000 | 1,228,000 |
| Interest expense | 63,000 | 121,000 | 182,000 | 240,000 |
| Net interest income | 232,000 | 463,000 | 727,000 | 988,000 |
| Noninterest income | 145,000 | 266,000 | 424,000 | 537,000 |
| Noninterest expense | 295,000 | 532,000 | 784,000 | 1,032,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 30,000 |
| Pretax income | 82,000 | 197,000 | 355,000 | 463,000 |
| Income tax | 1,000 | 6,000 | 10,000 | 11,000 |
| Net income | 81,000 | 191,000 | 345,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,167,000 | 1,126,000 | 1,241,000 | 1,348,000 |
| Total capital | 1,260,000 | 1,219,000 | 1,345,000 | 1,466,000 |
| Risk-weighted assets | 13,020,000 | 14,721,000 | 15,744,000 | 16,276,000 |