Call reports 2009
BEAR STATE BANK — 2009
What BEAR STATE BANK 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 | 695,402,000 | 704,898,000 | 712,984,000 | 694,622,000 |
| Total loans | 443,928,000 | 437,551,000 | 436,420,000 | 434,536,000 |
| Allowance for loan losses | 7,084,000 | 7,484,000 | 7,900,000 | 8,170,000 |
| Securities available for sale | 137,122,000 | 108,384,000 | 129,702,000 | 116,781,000 |
| Securities held to maturity | 1,378,000 | 1,329,000 | 1,001,000 | 920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,132,000 | 532,405,000 | 540,679,000 | 533,447,000 |
| Interest-bearing deposits | 430,840,000 | 434,667,000 | 441,032,000 | 439,305,000 |
| Noninterest-bearing deposits | 86,292,000 | 97,738,000 | 99,647,000 | 94,142,000 |
| Equity capital | 124,173,000 | 116,300,000 | 117,953,000 | 108,353,000 |
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 | 7,990,000 | 15,728,000 | 23,312,000 | 30,705,000 |
| Interest expense | 2,270,000 | 4,310,000 | 6,271,000 | 8,030,000 |
| Net interest income | 5,720,000 | 11,418,000 | 17,041,000 | 22,675,000 |
| Noninterest income | 1,196,000 | 2,470,000 | 3,755,000 | 5,022,000 |
| Noninterest expense | 4,208,000 | 8,154,000 | 12,118,000 | 16,148,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 2,258,000 | 4,834,000 | 7,328,000 | 9,749,000 |
| Income tax | 829,000 | 1,775,000 | 2,707,000 | 3,613,000 |
| Net income | 1,429,000 | 3,059,000 | 4,621,000 | 6,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,217,000 | 71,912,000 | 73,539,000 | 64,120,000 |
| Total capital | 85,939,000 | 77,613,000 | 79,270,000 | 69,821,000 |
| Risk-weighted assets | 458,777,000 | 454,314,000 | 455,565,000 | 453,923,000 |