Call reports 2009
STATE BANK OF SAUNEMIN — 2009
What STATE BANK OF SAUNEMIN 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 | 26,508,000 | 27,650,000 | 27,057,000 | 27,069,000 |
| Total loans | 12,764,000 | 13,273,000 | 11,884,000 | 13,494,000 |
| Allowance for loan losses | 204,000 | 204,000 | 203,000 | 203,000 |
| Securities available for sale | 10,529,000 | 10,827,000 | 11,006,000 | 10,307,000 |
| Securities held to maturity | 795,000 | 771,000 | 771,000 | 771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,261,000 | 24,350,000 | 23,636,000 | 23,755,000 |
| Interest-bearing deposits | 20,273,000 | 21,024,000 | 3,173,000 | 20,854,000 |
| Noninterest-bearing deposits | 2,988,000 | 3,326,000 | 20,463,000 | 2,901,000 |
| Equity capital | 2,675,000 | 2,717,000 | 2,821,000 | 2,762,000 |
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 | 341,000 | 676,000 | 1,003,000 | 1,304,000 |
| Interest expense | 109,000 | 209,000 | 304,000 | 400,000 |
| Net interest income | 232,000 | 467,000 | 699,000 | 904,000 |
| Noninterest income | 27,000 | 44,000 | 65,000 | 75,000 |
| Noninterest expense | 168,000 | 303,000 | 481,000 | 670,000 |
| Provision for loan losses | 0 | 0 | 0 | 27,000 |
| Pretax income | 91,000 | 208,000 | 283,000 | 330,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 91,000 | 208,000 | 283,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,512,000 | 2,560,000 | 2,585,000 | 2,633,000 |
| Total capital | 2,702,000 | 2,758,000 | 2,788,000 | 2,832,000 |
| Risk-weighted assets | 15,224,000 | 18,848,000 | 17,134,000 | 15,920,000 |