Call reports 2009
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2009
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 85,529,000 | 88,743,000 | 87,725,000 | 91,903,000 |
| Total loans | 53,317,000 | 54,837,000 | 56,078,000 | 57,731,000 |
| Allowance for loan losses | 548,000 | 559,000 | 567,000 | 537,000 |
| Securities available for sale | 20,751,000 | 20,442,000 | 20,614,000 | 20,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,035,000 | 75,410,000 | 74,273,000 | 78,437,000 |
| Interest-bearing deposits | 35,215,000 | 61,694,000 | 60,566,000 | 63,487,000 |
| Noninterest-bearing deposits | 36,820,000 | 13,716,000 | 13,707,000 | 14,950,000 |
| Equity capital | 13,039,000 | 12,956,000 | 13,073,000 | 13,175,000 |
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 | 1,127,000 | 2,186,000 | 3,134,000 | 4,080,000 |
| Interest expense | 255,000 | 498,000 | 722,000 | 917,000 |
| Net interest income | 872,000 | 1,688,000 | 2,412,000 | 3,163,000 |
| Noninterest income | 118,000 | 230,000 | 353,000 | 500,000 |
| Noninterest expense | 674,000 | 1,464,000 | 2,182,000 | 3,061,000 |
| Provision for loan losses | 45,000 | 60,000 | 80,000 | 140,000 |
| Pretax income | 271,000 | 435,000 | 419,000 | 378,000 |
| Income tax | 131,000 | 187,000 | 246,000 | 110,000 |
| Net income | 140,000 | 248,000 | 173,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,935,000 | 13,050,000 | 12,975,000 | 13,069,000 |
| Total capital | 13,483,000 | 13,609,000 | 13,542,000 | 13,606,000 |
| Risk-weighted assets | 63,760,000 | 65,638,000 | 66,660,000 | 69,266,000 |
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