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 | 249,131,000 | 243,589,000 | 246,014,000 | 264,816,000 |
| Total loans | 190,499,000 | 191,242,000 | 194,942,000 | 196,623,000 |
| Allowance for loan losses | 2,677,000 | 2,765,000 | 2,861,000 | 2,771,000 |
| Securities available for sale | 22,929,000 | 26,591,000 | 20,903,000 | 21,867,000 |
| Securities held to maturity | 4,937,000 | 4,727,000 | 4,076,000 | 3,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,071,000 | 216,122,000 | 218,119,000 | 236,477,000 |
| Interest-bearing deposits | 181,322,000 | 176,307,000 | 175,539,000 | 193,466,000 |
| Noninterest-bearing deposits | 40,749,000 | 39,815,000 | 42,580,000 | 43,011,000 |
| Equity capital | 26,088,000 | 26,304,000 | 26,507,000 | 26,665,000 |
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 | 3,361,000 | 6,761,000 | 10,317,000 | 13,744,000 |
| Interest expense | 1,080,000 | 2,065,000 | 3,052,000 | 3,991,000 |
| Net interest income | 2,281,000 | 4,696,000 | 7,265,000 | 9,753,000 |
| Noninterest income | 104,000 | 226,000 | 400,000 | 536,000 |
| Noninterest expense | 1,922,000 | 3,874,000 | 6,126,000 | 8,260,000 |
| Provision for loan losses | 70,000 | 165,000 | 282,000 | 387,000 |
| Pretax income | 393,000 | 883,000 | 1,267,000 | 1,658,000 |
| Income tax | 117,000 | 267,000 | 385,000 | 438,000 |
| Net income | 276,000 | 616,000 | 882,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,002,000 | 25,222,000 | 25,426,000 | 25,417,000 |
| Total capital | 27,473,000 | 27,695,000 | 27,967,000 | 28,044,000 |
| Risk-weighted assets | 197,320,000 | 201,622,000 | 202,972,000 | 210,107,000 |