Call reports 2009
GREER STATE BANK — 2009
What GREER STATE 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 | 477,809,000 | 467,168,000 | 470,126,000 | 475,032,000 |
| Total loans | 311,653,000 | 310,538,000 | 308,733,000 | 307,393,000 |
| Allowance for loan losses | 5,591,000 | 6,232,000 | 6,114,000 | 6,315,000 |
| Securities available for sale | 112,223,000 | 108,247,000 | 128,164,000 | 125,045,000 |
| Securities held to maturity | 15,147,000 | 14,035,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,835,000 | 287,831,000 | 290,108,000 | 298,830,000 |
| Interest-bearing deposits | 272,435,000 | 258,412,000 | 256,954,000 | 265,175,000 |
| Noninterest-bearing deposits | 31,400,000 | 29,419,000 | 33,154,000 | 33,655,000 |
| Equity capital | 37,278,000 | 37,015,000 | 38,982,000 | 37,441,000 |
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 | 5,350,000 | 10,896,000 | 16,552,000 | 22,070,000 |
| Interest expense | 2,686,000 | 5,296,000 | 7,836,000 | 10,219,000 |
| Net interest income | 2,664,000 | 5,600,000 | 8,716,000 | 11,851,000 |
| Noninterest income | 326,000 | 1,297,000 | 1,553,000 | 2,200,000 |
| Noninterest expense | 2,420,000 | 5,001,000 | 7,658,000 | 10,562,000 |
| Provision for loan losses | 725,000 | 2,095,000 | 2,570,000 | 5,185,000 |
| Pretax income | 114,000 | 98,000 | 1,031,000 | -756,000 |
| Income tax | 66,000 | -26,000 | 224,000 | -503,000 |
| Net income | 48,000 | 124,000 | 807,000 | -253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,262,000 | 34,916,000 | 37,260,000 | 35,614,000 |
| Total capital | 39,699,000 | 39,308,000 | 41,599,000 | 39,985,000 |
| Risk-weighted assets | 353,049,000 | 348,766,000 | 344,648,000 | 347,765,000 |