Call reports 2009
KODABANK — 2009
What KODABANK 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 | 44,437,000 | 46,725,000 | 47,411,000 | 49,448,000 |
| Total loans | 33,429,000 | 34,542,000 | 35,237,000 | 36,147,000 |
| Allowance for loan losses | 545,000 | 591,000 | 615,000 | 614,000 |
| Securities available for sale | 7,038,000 | 7,406,000 | 7,220,000 | 8,455,000 |
| Securities held to maturity | 1,020,000 | 1,075,000 | 1,175,000 | 1,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,606,000 | 38,353,000 | 38,781,000 | 40,768,000 |
| Interest-bearing deposits | 33,612,000 | 33,151,000 | 32,891,000 | 33,983,000 |
| Noninterest-bearing deposits | 4,994,000 | 5,202,000 | 5,890,000 | 6,785,000 |
| Equity capital | 5,416,000 | 5,615,000 | 5,570,000 | 5,349,000 |
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 | 725,000 | 1,438,000 | 2,198,000 | 2,943,000 |
| Interest expense | 210,000 | 409,000 | 602,000 | 789,000 |
| Net interest income | 515,000 | 1,029,000 | 1,596,000 | 2,154,000 |
| Noninterest income | 55,000 | 109,000 | 166,000 | 216,000 |
| Noninterest expense | 224,000 | 450,000 | 706,000 | 991,000 |
| Provision for loan losses | 50,000 | 100,000 | 328,000 | 328,000 |
| Pretax income | 296,000 | 588,000 | 728,000 | 1,051,000 |
| Income tax | 20,000 | 41,000 | 51,000 | 73,000 |
| Net income | 276,000 | 547,000 | 677,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,232,000 | 5,428,000 | 5,363,000 | 5,166,000 |
| Total capital | 5,624,000 | 5,837,000 | 5,774,000 | 5,595,000 |
| Risk-weighted assets | 31,214,000 | 32,509,000 | 32,783,000 | 34,098,000 |