Call reports 2009
FIRST STATE BANK OF BEECHER CITY — 2009
What FIRST STATE BANK OF BEECHER CITY 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 | 48,785,000 | 50,758,000 | 51,496,000 | 51,238,000 |
| Total loans | 37,388,000 | 38,769,000 | 39,512,000 | 40,291,000 |
| Allowance for loan losses | 600,000 | 584,000 | 675,000 | 708,000 |
| Securities available for sale | 4,755,000 | 6,516,000 | 6,979,000 | 7,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,207,000 | 44,033,000 | 44,574,000 | 44,047,000 |
| Interest-bearing deposits | 36,437,000 | 38,235,000 | 38,841,000 | 38,144,000 |
| Noninterest-bearing deposits | 5,770,000 | 5,798,000 | 5,733,000 | 5,903,000 |
| Equity capital | 6,443,000 | 6,613,000 | 6,804,000 | 7,028,000 |
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 | 822,000 | 1,638,000 | 2,440,000 | 3,259,000 |
| Interest expense | 230,000 | 444,000 | 639,000 | 823,000 |
| Net interest income | 592,000 | 1,194,000 | 1,801,000 | 2,436,000 |
| Noninterest income | 72,000 | 137,000 | 211,000 | 267,000 |
| Noninterest expense | 308,000 | 633,000 | 953,000 | 1,362,000 |
| Provision for loan losses | 45,000 | 130,000 | 230,000 | 300,000 |
| Pretax income | 311,000 | 568,000 | 829,000 | 1,041,000 |
| Income tax | 15,000 | 15,000 | 15,000 | 15,000 |
| Net income | 296,000 | 553,000 | 814,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,391,000 | 6,551,000 | 6,719,000 | 6,930,000 |
| Total capital | 6,840,000 | 7,016,000 | 7,195,000 | 7,413,000 |
| Risk-weighted assets | 35,769,000 | 37,098,000 | 37,951,000 | 38,446,000 |
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