Call reports 2009
SMALL TOWN BANK — 2009
What SMALL TOWN 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 | 214,295,000 | 219,486,000 | 231,823,000 | 239,759,000 |
| Total loans | 141,339,000 | 139,148,000 | 137,543,000 | 140,022,000 |
| Allowance for loan losses | 1,879,000 | 1,644,000 | 1,514,000 | 1,729,000 |
| Securities available for sale | 54,645,000 | 59,978,000 | 70,991,000 | 77,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,776,000 | 177,153,000 | 186,495,000 | 192,287,000 |
| Interest-bearing deposits | 160,023,000 | 164,183,000 | 174,082,000 | 179,625,000 |
| Noninterest-bearing deposits | 11,753,000 | 12,970,000 | 12,413,000 | 12,662,000 |
| Equity capital | 22,016,000 | 21,828,000 | 24,513,000 | 24,029,000 |
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 | 3,398,000 | 6,877,000 | 10,443,000 | 14,009,000 |
| Interest expense | 1,390,000 | 2,813,000 | 4,230,000 | 5,647,000 |
| Net interest income | 2,008,000 | 4,064,000 | 6,213,000 | 8,362,000 |
| Noninterest income | 312,000 | 628,000 | 1,007,000 | 1,331,000 |
| Noninterest expense | 1,197,000 | 2,522,000 | 3,818,000 | 5,165,000 |
| Provision for loan losses | 45,000 | 140,000 | 215,000 | 605,000 |
| Pretax income | 1,078,000 | 2,033,000 | 3,187,000 | 3,923,000 |
| Income tax | 267,000 | 444,000 | 734,000 | 649,000 |
| Net income | 811,000 | 1,589,000 | 2,453,000 | 3,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,790,000 | 21,008,000 | 21,399,000 | 21,943,000 |
| Total capital | 22,669,000 | 22,652,000 | 22,913,000 | 23,672,000 |
| Risk-weighted assets | 160,389,000 | 161,239,000 | 162,137,000 | 168,828,000 |