Call reports 2009
BANK OF SAINT ELIZABETH — 2009
What BANK OF SAINT ELIZABETH 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 | 97,506,000 | 94,928,000 | 93,640,000 | 95,312,000 |
| Total loans | 71,848,000 | 71,789,000 | 72,846,000 | 71,436,000 |
| Allowance for loan losses | 621,000 | 621,000 | 621,000 | 621,000 |
| Securities available for sale | 2,126,000 | 4,253,000 | 4,249,000 | 4,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,263,000 | 76,980,000 | 77,139,000 | 77,416,000 |
| Interest-bearing deposits | 61,626,000 | 63,985,000 | 63,686,000 | 63,036,000 |
| Noninterest-bearing deposits | 14,637,000 | 12,994,000 | 13,453,000 | 14,380,000 |
| Equity capital | 10,284,000 | 10,092,000 | 10,168,000 | 10,347,000 |
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 | 1,364,000 | 2,732,000 | 4,095,000 | 5,418,000 |
| Interest expense | 446,000 | 887,000 | 1,292,000 | 1,674,000 |
| Net interest income | 918,000 | 1,845,000 | 2,803,000 | 3,744,000 |
| Noninterest income | 160,000 | 337,000 | 469,000 | 602,000 |
| Noninterest expense | 569,000 | 1,140,000 | 1,748,000 | 2,467,000 |
| Provision for loan losses | -3,000 | 0 | -2,000 | 148,000 |
| Pretax income | 512,000 | 1,042,000 | 1,526,000 | 1,731,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 512,000 | 1,042,000 | 1,526,000 | 1,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,781,000 | 6,611,000 | 6,696,000 | 6,926,000 |
| Total capital | 7,402,000 | 7,232,000 | 7,317,000 | 7,547,000 |
| Risk-weighted assets | 68,054,000 | 68,466,000 | 68,775,000 | 67,905,000 |