Call reports 2009
STROUD NATIONAL BANK — 2009
What STROUD NATIONAL 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 | 77,336,000 | 77,604,000 | 77,361,000 | 80,672,000 |
| Total loans | 54,440,000 | 57,320,000 | 57,776,000 | 57,011,000 |
| Allowance for loan losses | 527,000 | 740,000 | 726,000 | 769,000 |
| Securities available for sale | 16,588,000 | 13,805,000 | 11,700,000 | 12,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,770,000 | 58,703,000 | 58,713,000 | 62,007,000 |
| Interest-bearing deposits | 47,139,000 | 47,786,000 | 47,938,000 | 51,972,000 |
| Noninterest-bearing deposits | 10,631,000 | 10,917,000 | 10,775,000 | 10,035,000 |
| Equity capital | 6,508,000 | 6,422,000 | 6,868,000 | 7,005,000 |
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 | 1,190,000 | 2,410,000 | 3,671,000 | 4,890,000 |
| Interest expense | 387,000 | 775,000 | 1,118,000 | 1,462,000 |
| Net interest income | 803,000 | 1,635,000 | 2,553,000 | 3,428,000 |
| Noninterest income | 218,000 | 518,000 | 745,000 | 1,032,000 |
| Noninterest expense | 737,000 | 1,508,000 | 2,283,000 | 3,059,000 |
| Provision for loan losses | 48,000 | 240,000 | 366,000 | 428,000 |
| Pretax income | 242,000 | 413,000 | 634,000 | 958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 242,000 | 413,000 | 634,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,309,000 | 6,339,000 | 6,475,000 | 6,658,000 |
| Total capital | 6,836,000 | 7,055,000 | 7,190,000 | 7,373,000 |
| Risk-weighted assets | 56,364,000 | 57,500,000 | 57,177,000 | 57,198,000 |