Call reports 2009
BUSINESS BANK, THE — 2009
What BUSINESS BANK, THE 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 | 365,867,000 | 361,775,000 | 358,081,000 | 362,723,000 |
| Total loans | 317,931,000 | 315,396,000 | 316,366,000 | 302,709,000 |
| Allowance for loan losses | 3,235,000 | 2,966,000 | 3,144,000 | 3,723,000 |
| Securities available for sale | 24,526,000 | 19,773,000 | 20,363,000 | 21,535,000 |
| Securities held to maturity | 4,345,000 | 4,348,000 | 4,352,000 | 4,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,115,000 | 323,706,000 | 319,379,000 | 324,523,000 |
| Interest-bearing deposits | 291,412,000 | 298,546,000 | 297,094,000 | 299,744,000 |
| Noninterest-bearing deposits | 25,703,000 | 25,159,000 | 22,285,000 | 24,779,000 |
| Equity capital | 31,719,000 | 31,807,000 | 32,671,000 | 32,682,000 |
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 | 4,762,000 | 9,443,000 | 14,142,000 | 18,783,000 |
| Interest expense | 2,362,000 | 4,585,000 | 6,525,000 | 8,125,000 |
| Net interest income | 2,400,000 | 4,858,000 | 7,617,000 | 10,658,000 |
| Noninterest income | 78,000 | 141,000 | 223,000 | 169,000 |
| Noninterest expense | 1,369,000 | 2,813,000 | 4,281,000 | 5,430,000 |
| Provision for loan losses | 368,000 | 984,000 | 1,249,000 | 2,958,000 |
| Pretax income | 905,000 | 1,513,000 | 2,621,000 | 2,750,000 |
| Income tax | 342,000 | 560,000 | 971,000 | 999,000 |
| Net income | 563,000 | 953,000 | 1,650,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,304,000 | 31,639,000 | 32,281,000 | 32,274,000 |
| Total capital | 34,539,000 | 34,605,000 | 35,425,000 | 35,997,000 |
| Risk-weighted assets | 326,743,000 | 322,374,000 | 324,324,000 | 309,189,000 |