Call reports 2009
FIRST STATE BANK OF OKABENA (INCORPORATED) — 2009
What FIRST STATE BANK OF OKABENA (INCORPORATED) 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 | 19,941,000 | 19,279,000 | 19,139,000 | 19,413,000 |
| Total loans | 8,559,000 | 9,233,000 | 9,177,000 | 8,987,000 |
| Allowance for loan losses | 367,000 | 838,000 | 324,000 | 330,000 |
| Securities available for sale | 8,685,000 | 7,704,000 | 7,031,000 | 6,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,143,000 | 16,043,000 | 15,803,000 | 15,944,000 |
| Interest-bearing deposits | 13,472,000 | 13,713,000 | 13,668,000 | 13,498,000 |
| Noninterest-bearing deposits | 2,671,000 | 2,330,000 | 2,135,000 | 2,446,000 |
| Equity capital | 3,758,000 | 3,200,000 | 3,273,000 | 3,436,000 |
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 | 236,000 | 467,000 | 694,000 | 915,000 |
| Interest expense | 85,000 | 171,000 | 251,000 | 324,000 |
| Net interest income | 151,000 | 296,000 | 443,000 | 591,000 |
| Noninterest income | 10,000 | 20,000 | 31,000 | 41,000 |
| Noninterest expense | 140,000 | 279,000 | 403,000 | 575,000 |
| Provision for loan losses | 0 | 570,000 | 570,000 | 570,000 |
| Pretax income | 21,000 | -533,000 | -499,000 | -513,000 |
| Income tax | 2,000 | 0 | 0 | -211,000 |
| Net income | 19,000 | -533,000 | -499,000 | -302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,710,000 | 3,158,000 | 3,193,000 | 3,389,000 |
| Total capital | 3,853,000 | 3,307,000 | 3,339,000 | 3,535,000 |
| Risk-weighted assets | 11,205,000 | 11,204,000 | 11,492,000 | 11,505,000 |
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