Call reports 2009
ARCOLA HOMESTEAD SAVINGS BANK — 2009
What ARCOLA HOMESTEAD SAVINGS 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 | 17,041,000 | 18,468,000 | 19,083,000 | 17,943,000 |
| Total loans | 14,795,000 | 15,530,000 | 16,980,000 | 13,957,000 |
| Allowance for loan losses | 129,000 | 135,000 | 151,000 | 1,171,000 |
| Securities available for sale | 562,000 | 412,000 | 321,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,736,000 | 16,068,000 | 16,658,000 | 18,388,000 |
| Interest-bearing deposits | 14,449,000 | 15,788,000 | 16,430,000 | 18,124,000 |
| Noninterest-bearing deposits | 288,000 | 280,000 | 228,000 | 264,000 |
| Equity capital | 2,235,000 | 2,281,000 | 2,307,000 | -515,000 |
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 | 227,000 | 523,000 | 833,000 | 1,150,000 |
| Interest expense | 119,000 | 249,000 | 378,000 | 501,000 |
| Net interest income | 108,000 | 274,000 | 455,000 | 649,000 |
| Noninterest income | 2,000 | 7,000 | 14,000 | 17,000 |
| Noninterest expense | 98,000 | 217,000 | 363,000 | 557,000 |
| Provision for loan losses | 6,000 | 12,000 | 28,000 | 2,853,000 |
| Pretax income | 6,000 | 52,000 | 78,000 | -2,744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | 52,000 | 78,000 | -2,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,234,000 | 2,281,000 | 2,307,000 | -515,000 |
| Total capital | 2,363,000 | 2,416,000 | 2,458,000 | -515,000 |
| Risk-weighted assets | 13,122,000 | 13,783,000 | 17,196,000 | 14,271,000 |