Call reports 2009
FIRST STATE BANK OF WEST SALEM — 2009
What FIRST STATE BANK OF WEST SALEM 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 | 14,925,000 | 14,945,000 | 14,573,000 | 15,795,000 |
| Total loans | 5,316,000 | 5,834,000 | 5,976,000 | 6,615,000 |
| Allowance for loan losses | 120,000 | 111,000 | 105,000 | 104,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,771,000 | 7,498,000 | 7,186,000 | 7,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,569,000 | 11,572,000 | 11,186,000 | 12,488,000 |
| Interest-bearing deposits | 8,490,000 | 8,514,000 | 8,473,000 | 9,388,000 |
| Noninterest-bearing deposits | 3,079,000 | 3,058,000 | 2,713,000 | 3,100,000 |
| Equity capital | 3,289,000 | 3,316,000 | 3,333,000 | 3,267,000 |
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 | 172,000 | 334,000 | 493,000 | 652,000 |
| Interest expense | 35,000 | 66,000 | 96,000 | 122,000 |
| Net interest income | 137,000 | 268,000 | 397,000 | 530,000 |
| Noninterest income | 14,000 | 39,000 | 55,000 | 74,000 |
| Noninterest expense | 117,000 | 237,000 | 362,000 | 492,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 32,000 | 67,000 | 86,000 | 106,000 |
| Income tax | 7,000 | 15,000 | 17,000 | 13,000 |
| Net income | 25,000 | 52,000 | 69,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,289,000 | 3,316,000 | 3,333,000 | 3,267,000 |
| Total capital | 3,376,000 | 3,407,000 | 3,423,000 | 3,366,000 |
| Risk-weighted assets | 6,944,000 | 7,244,000 | 7,170,000 | 7,948,000 |
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