Call reports 2009
PARAGON BANK & TRUST — 2009
What PARAGON BANK & TRUST 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 | 121,979,000 | 114,643,000 | 102,698,000 | 106,751,000 |
| Total loans | 83,929,000 | 74,735,000 | 70,500,000 | 66,991,000 |
| Allowance for loan losses | 3,602,000 | 3,157,000 | 3,500,000 | 3,589,000 |
| Securities available for sale | 404,000 | 389,000 | 392,000 | 390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,900,000 | 99,438,000 | 91,220,000 | 95,369,000 |
| Interest-bearing deposits | 102,491,000 | 93,632,000 | 87,540,000 | 90,944,000 |
| Noninterest-bearing deposits | 5,409,000 | 5,806,000 | 3,680,000 | 4,425,000 |
| Equity capital | 9,075,000 | 10,516,000 | 6,797,000 | 6,837,000 |
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 | 1,189,000 | 2,294,000 | 3,343,000 | 4,327,000 |
| Interest expense | 656,000 | 1,297,000 | 1,811,000 | 2,308,000 |
| Net interest income | 533,000 | 997,000 | 1,532,000 | 2,019,000 |
| Noninterest income | 501,000 | 1,036,000 | 1,546,000 | 1,253,000 |
| Noninterest expense | 1,448,000 | 2,871,000 | 4,192,000 | 5,485,000 |
| Provision for loan losses | 1,752,000 | 1,392,000 | 2,637,000 | 4,525,000 |
| Pretax income | -2,166,000 | -2,230,000 | -3,751,000 | -6,738,000 |
| Income tax | -739,000 | -763,000 | 1,439,000 | 558,000 |
| Net income | -1,427,000 | -1,467,000 | -5,190,000 | -7,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,773,000 | 6,713,000 | 5,175,000 | 5,087,000 |
| Total capital | 6,868,000 | 7,732,000 | 6,141,000 | 6,027,000 |
| Risk-weighted assets | 85,080,000 | 79,363,000 | 74,732,000 | 72,556,000 |