Call reports 2009
POCAHONTAS STATE BANK — 2009
What POCAHONTAS STATE BANK 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 | 69,528,000 | 72,016,000 | 74,045,000 | 75,460,000 |
| Total loans | 27,226,000 | 30,250,000 | 28,763,000 | 30,517,000 |
| Allowance for loan losses | 227,000 | 227,000 | 219,000 | 219,000 |
| Securities available for sale | 19,908,000 | 22,944,000 | 26,269,000 | 28,101,000 |
| Securities held to maturity | 11,952,000 | 10,892,000 | 10,142,000 | 9,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,910,000 | 59,194,000 | 60,008,000 | 61,482,000 |
| Interest-bearing deposits | 44,510,000 | 53,546,000 | 53,940,000 | 48,396,000 |
| Noninterest-bearing deposits | 12,400,000 | 5,648,000 | 6,068,000 | 13,086,000 |
| Equity capital | 11,814,000 | 12,067,000 | 13,295,000 | 13,402,000 |
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 | 882,000 | 1,746,000 | 2,660,000 | 3,567,000 |
| Interest expense | 332,000 | 640,000 | 919,000 | 1,156,000 |
| Net interest income | 550,000 | 1,106,000 | 1,741,000 | 2,411,000 |
| Noninterest income | 28,000 | 59,000 | 91,000 | 117,000 |
| Noninterest expense | 192,000 | 366,000 | 580,000 | 797,000 |
| Provision for loan losses | 0 | 19,000 | 19,000 | 19,000 |
| Pretax income | 386,000 | 780,000 | 1,233,000 | 1,712,000 |
| Income tax | 13,000 | 32,000 | 53,000 | 75,000 |
| Net income | 373,000 | 748,000 | 1,180,000 | 1,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,934,000 | 9,264,000 | 9,671,000 | 9,928,000 |
| Total capital | 9,161,000 | 9,491,000 | 9,890,000 | 10,147,000 |
| Risk-weighted assets | 37,539,000 | 40,219,000 | 40,234,000 | 40,324,000 |