Call reports 2009
SECURITY STATE BANK OF HOWARD LAKE — 2009
What SECURITY STATE BANK OF HOWARD LAKE 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 | 79,697,000 | 81,794,000 | 81,616,000 | 80,227,000 |
| Total loans | 52,892,000 | 55,660,000 | 56,812,000 | 54,420,000 |
| Allowance for loan losses | 712,000 | 713,000 | 794,000 | 1,604,000 |
| Securities available for sale | 12,454,000 | 12,591,000 | 12,917,000 | 12,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,931,000 | 66,645,000 | 65,438,000 | 65,773,000 |
| Interest-bearing deposits | 53,344,000 | 53,810,000 | 53,088,000 | 53,341,000 |
| Noninterest-bearing deposits | 11,587,000 | 12,835,000 | 12,350,000 | 12,432,000 |
| Equity capital | 7,440,000 | 7,418,000 | 7,833,000 | 7,057,000 |
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 | 990,000 | 1,993,000 | 2,963,000 | 3,981,000 |
| Interest expense | 434,000 | 832,000 | 1,201,000 | 1,548,000 |
| Net interest income | 556,000 | 1,161,000 | 1,762,000 | 2,433,000 |
| Noninterest income | 76,000 | 148,000 | 280,000 | 411,000 |
| Noninterest expense | 469,000 | 1,072,000 | 1,536,000 | 2,049,000 |
| Provision for loan losses | 0 | 0 | 82,000 | 1,017,000 |
| Pretax income | 153,000 | 227,000 | 414,000 | -214,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 227,000 | 414,000 | -214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,319,000 | 7,333,000 | 7,513,000 | 6,828,000 |
| Total capital | 8,031,000 | 8,046,000 | 8,292,000 | 7,581,000 |
| Risk-weighted assets | 59,947,000 | 62,027,000 | 62,323,000 | 59,368,000 |