Call reports 2009
BIPPUS STATE BANK, THE — 2009
What BIPPUS STATE 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 | 107,983,000 | 107,700,000 | 110,624,000 | 113,988,000 |
| Total loans | 76,123,000 | 78,604,000 | 81,829,000 | 83,194,000 |
| Allowance for loan losses | 761,000 | 788,000 | 861,000 | 900,000 |
| Securities available for sale | 22,241,000 | 21,496,000 | 20,775,000 | 22,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,281,000 | 85,636,000 | 87,618,000 | 87,489,000 |
| Interest-bearing deposits | 77,263,000 | 79,062,000 | 80,422,000 | 79,613,000 |
| Noninterest-bearing deposits | 8,018,000 | 6,574,000 | 7,196,000 | 7,877,000 |
| Equity capital | 9,308,000 | 9,478,000 | 10,143,000 | 10,040,000 |
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 | 1,358,000 | 2,742,000 | 4,177,000 | 5,647,000 |
| Interest expense | 533,000 | 1,038,000 | 1,494,000 | 1,922,000 |
| Net interest income | 825,000 | 1,704,000 | 2,683,000 | 3,725,000 |
| Noninterest income | 438,000 | 830,000 | 1,121,000 | 1,493,000 |
| Noninterest expense | 912,000 | 1,751,000 | 2,637,000 | 3,585,000 |
| Provision for loan losses | 121,000 | 152,000 | 227,000 | 330,000 |
| Pretax income | 314,000 | 759,000 | 1,087,000 | 1,456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 759,000 | 1,087,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,126,000 | 9,433,000 | 9,615,000 | 9,763,000 |
| Total capital | 9,887,000 | 10,221,000 | 10,476,000 | 10,663,000 |
| Risk-weighted assets | 80,351,000 | 82,086,000 | 86,294,000 | 88,004,000 |