Call reports 2009
SECURITY EXCHANGE BANK — 2009
What SECURITY EXCHANGE 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 | 199,845,000 | 192,071,000 | 191,239,000 | 174,584,000 |
| Total loans | 143,027,000 | 139,184,000 | 123,040,000 | 112,579,000 |
| Allowance for loan losses | 2,861,000 | 2,933,000 | 3,896,000 | 4,698,000 |
| Securities available for sale | 42,583,000 | 32,415,000 | 33,043,000 | 31,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,880,000 | 175,988,000 | 177,511,000 | 164,464,000 |
| Interest-bearing deposits | 177,449,000 | 172,021,000 | 173,814,000 | 159,542,000 |
| Noninterest-bearing deposits | 5,431,000 | 3,967,000 | 3,697,000 | 4,922,000 |
| Equity capital | 15,801,000 | 15,299,000 | 12,808,000 | 9,504,000 |
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 | 2,156,000 | 4,212,000 | 6,157,000 | 8,020,000 |
| Interest expense | 1,609,000 | 3,183,000 | 4,704,000 | 6,097,000 |
| Net interest income | 547,000 | 1,029,000 | 1,453,000 | 1,923,000 |
| Noninterest income | 36,000 | 20,000 | -69,000 | -263,000 |
| Noninterest expense | 738,000 | 1,486,000 | 2,453,000 | 3,802,000 |
| Provision for loan losses | 515,000 | 775,000 | 3,141,000 | 5,999,000 |
| Pretax income | -629,000 | -1,086,000 | -4,052,000 | -7,917,000 |
| Income tax | -240,000 | -415,000 | -600,000 | -1,390,000 |
| Net income | -389,000 | -671,000 | -3,452,000 | -6,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,835,000 | 15,558,000 | 12,782,000 | 9,711,000 |
| Total capital | 17,725,000 | 17,456,000 | 14,633,000 | 11,480,000 |
| Risk-weighted assets | 150,251,000 | 150,772,000 | 146,020,000 | 138,584,000 |