Call reports 2009
CAPRA BANK — 2009
What CAPRA 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 | 31,848,000 | 32,096,000 | 30,884,000 | 32,529,000 |
| Total loans | 13,211,000 | 13,621,000 | 14,027,000 | 13,659,000 |
| Allowance for loan losses | 233,000 | 232,000 | 228,000 | 279,000 |
| Securities available for sale | 2,691,000 | 2,326,000 | 1,992,000 | 3,238,000 |
| Securities held to maturity | 9,436,000 | 8,299,000 | 9,037,000 | 8,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,363,000 | 28,616,000 | 27,344,000 | 29,096,000 |
| Interest-bearing deposits | 23,199,000 | 23,774,000 | 23,219,000 | 24,162,000 |
| Noninterest-bearing deposits | 5,165,000 | 4,842,000 | 4,125,000 | 4,935,000 |
| Equity capital | 3,296,000 | 3,282,000 | 3,371,000 | 3,286,000 |
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 | 389,000 | 777,000 | 1,161,000 | 1,540,000 |
| Interest expense | 125,000 | 250,000 | 368,000 | 480,000 |
| Net interest income | 264,000 | 527,000 | 793,000 | 1,060,000 |
| Noninterest income | 36,000 | 86,000 | 120,000 | 129,000 |
| Noninterest expense | 278,000 | 532,000 | 751,000 | 1,075,000 |
| Provision for loan losses | 564,000 | 564,000 | 564,000 | 564,000 |
| Pretax income | -539,000 | -479,000 | -398,000 | -446,000 |
| Income tax | 3,000 | 0 | 0 | 0 |
| Net income | -542,000 | -479,000 | -398,000 | -446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,250,000 | 3,288,000 | 3,354,000 | 3,283,000 |
| Total capital | 3,462,000 | 3,503,000 | 3,572,000 | 3,500,000 |
| Risk-weighted assets | 16,963,000 | 17,175,000 | 17,411,000 | 17,269,000 |