Call reports 2009
FIRST STATE BANK OF RANDOLPH COUNTY — 2009
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 52,054,000 | 52,503,000 | 55,424,000 | 54,396,000 |
| Total loans | 36,488,000 | 39,415,000 | 40,549,000 | 37,455,000 |
| Allowance for loan losses | 200,000 | 213,000 | 220,000 | 232,000 |
| Securities available for sale | 9,407,000 | 8,604,000 | 8,055,000 | 8,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,251,000 | 45,977,000 | 46,114,000 | 47,665,000 |
| Interest-bearing deposits | 33,228,000 | 35,384,000 | 35,497,000 | 35,584,000 |
| Noninterest-bearing deposits | 12,023,000 | 10,593,000 | 10,617,000 | 12,081,000 |
| Equity capital | 6,193,000 | 5,894,000 | 6,162,000 | 6,078,000 |
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 | 770,000 | 1,529,000 | 2,310,000 | 3,071,000 |
| Interest expense | 237,000 | 448,000 | 661,000 | 862,000 |
| Net interest income | 533,000 | 1,081,000 | 1,649,000 | 2,209,000 |
| Noninterest income | 72,000 | 145,000 | 220,000 | 313,000 |
| Noninterest expense | 464,000 | 928,000 | 1,374,000 | 1,878,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 129,000 | -95,000 | 90,000 | 226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | -95,000 | 90,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,966,000 | 5,743,000 | 5,927,000 | 5,884,000 |
| Total capital | 5,966,000 | 5,956,000 | 6,147,000 | 6,116,000 |
| Risk-weighted assets | 41,622,000 | 43,586,000 | 44,633,000 | 42,533,000 |
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