Call reports 2009
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2009
What FIRST NATIONAL BANK OF BEARDSTOWN, THE 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 | 55,592,000 | 54,601,000 | 85,034,000 | 86,352,000 |
| Total loans | 34,893,000 | 35,483,000 | 55,560,000 | 57,239,000 |
| Allowance for loan losses | 353,000 | 346,000 | 376,000 | 746,000 |
| Securities available for sale | 10,307,000 | 9,294,000 | 15,530,000 | 16,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,528,000 | 44,427,000 | 73,315,000 | 75,206,000 |
| Interest-bearing deposits | 37,164,000 | 36,985,000 | 62,236,000 | 62,464,000 |
| Noninterest-bearing deposits | 8,364,000 | 7,442,000 | 11,079,000 | 12,742,000 |
| Equity capital | 9,857,000 | 10,014,000 | 11,515,000 | 10,382,000 |
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 | 746,000 | 1,479,000 | 2,552,000 | 3,621,000 |
| Interest expense | 163,000 | 299,000 | 515,000 | 706,000 |
| Net interest income | 583,000 | 1,180,000 | 2,037,000 | 2,915,000 |
| Noninterest income | 144,000 | 287,000 | 2,082,000 | 2,141,000 |
| Noninterest expense | 480,000 | 983,000 | 1,834,000 | 2,967,000 |
| Provision for loan losses | 11,000 | 21,000 | 310,000 | 897,000 |
| Pretax income | 236,000 | 463,000 | 1,975,000 | 1,192,000 |
| Income tax | 4,000 | 5,000 | 6,000 | 8,000 |
| Net income | 232,000 | 458,000 | 1,969,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,525,000 | 9,679,000 | 10,507,000 | 9,408,000 |
| Total capital | 9,878,000 | 10,025,000 | 10,883,000 | 10,139,000 |
| Risk-weighted assets | 35,126,000 | 35,270,000 | 56,033,000 | 58,453,000 |
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