Call reports 2009
SIMPLYBANK. — 2009
What SIMPLYBANK. 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 | 215,898,000 | 221,459,000 | 218,927,000 | 217,296,000 |
| Total loans | 177,323,000 | 181,149,000 | 181,382,000 | 182,960,000 |
| Allowance for loan losses | 1,262,000 | 1,475,000 | 1,503,000 | 1,946,000 |
| Securities available for sale | 17,028,000 | 18,276,000 | 18,690,000 | 16,198,000 |
| Securities held to maturity | 518,000 | 388,000 | 221,000 | 155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,698,000 | 197,254,000 | 193,609,000 | 191,587,000 |
| Interest-bearing deposits | 166,324,000 | 170,388,000 | 169,443,000 | 166,553,000 |
| Noninterest-bearing deposits | 26,374,000 | 26,866,000 | 24,166,000 | 25,034,000 |
| Equity capital | 17,357,000 | 17,531,000 | 18,220,000 | 18,485,000 |
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 | 3,317,000 | 6,678,000 | 9,983,000 | 13,385,000 |
| Interest expense | 1,072,000 | 2,097,000 | 3,061,000 | 3,942,000 |
| Net interest income | 2,245,000 | 4,581,000 | 6,922,000 | 9,443,000 |
| Noninterest income | 441,000 | 932,000 | 1,432,000 | 1,833,000 |
| Noninterest expense | 1,706,000 | 3,614,000 | 5,413,000 | 7,357,000 |
| Provision for loan losses | 170,000 | 365,000 | 980,000 | 1,505,000 |
| Pretax income | 810,000 | 1,534,000 | 1,957,000 | 2,410,000 |
| Income tax | 46,000 | 105,000 | 116,000 | 147,000 |
| Net income | 764,000 | 1,429,000 | 1,841,000 | 2,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,282,000 | 17,562,000 | 17,974,000 | 18,396,000 |
| Total capital | 18,544,000 | 19,037,000 | 19,477,000 | 20,342,000 |
| Risk-weighted assets | 176,612,000 | 170,491,000 | 173,230,000 | 173,832,000 |