Call reports 2009
BENCHMARK COMMUNITY BANK — 2009
What BENCHMARK COMMUNITY 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 | 383,921,000 | 376,271,000 | 379,932,000 | 383,760,000 |
| Total loans | 314,032,000 | 315,203,000 | 319,169,000 | 321,995,000 |
| Allowance for loan losses | 2,713,000 | 2,774,000 | 2,996,000 | 3,296,000 |
| Securities available for sale | 22,531,000 | 23,996,000 | 27,101,000 | 26,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,084,000 | 336,943,000 | 339,496,000 | 343,842,000 |
| Interest-bearing deposits | 301,727,000 | 294,388,000 | 296,487,000 | 304,426,000 |
| Noninterest-bearing deposits | 43,356,000 | 42,555,000 | 43,009,000 | 39,416,000 |
| Equity capital | 35,900,000 | 35,975,000 | 37,316,000 | 35,537,000 |
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 | 5,530,000 | 11,157,000 | 16,914,000 | 22,787,000 |
| Interest expense | 2,152,000 | 4,282,000 | 6,320,000 | 8,272,000 |
| Net interest income | 3,378,000 | 6,875,000 | 10,594,000 | 14,515,000 |
| Noninterest income | 676,000 | 1,364,000 | 2,151,000 | 2,996,000 |
| Noninterest expense | 2,531,000 | 5,221,000 | 7,876,000 | 10,968,000 |
| Provision for loan losses | 194,000 | 329,000 | 589,000 | 993,000 |
| Pretax income | 1,329,000 | 2,689,000 | 4,280,000 | 5,550,000 |
| Income tax | 384,000 | 771,000 | 1,233,000 | 1,518,000 |
| Net income | 945,000 | 1,918,000 | 3,047,000 | 4,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,508,000 | 34,595,000 | 35,514,000 | 33,797,000 |
| Total capital | 37,221,000 | 37,369,000 | 38,510,000 | 37,093,000 |
| Risk-weighted assets | 289,900,000 | 285,646,000 | 286,977,000 | 289,674,000 |