Call reports 2009
REGIONAL MISSOURI BANK — 2009
What REGIONAL MISSOURI 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 | 107,655,000 | 109,842,000 | 108,813,000 | 110,077,000 |
| Total loans | 80,445,000 | 83,766,000 | 85,894,000 | 86,450,000 |
| Allowance for loan losses | 777,000 | 805,000 | 816,000 | 809,000 |
| Securities available for sale | 18,440,000 | 19,902,000 | 17,031,000 | 17,076,000 |
| Securities held to maturity | 215,000 | 215,000 | 215,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,845,000 | 94,997,000 | 95,157,000 | 99,606,000 |
| Interest-bearing deposits | 83,442,000 | 84,604,000 | 84,644,000 | 87,574,000 |
| Noninterest-bearing deposits | 10,403,000 | 10,393,000 | 10,513,000 | 12,032,000 |
| Equity capital | 9,607,000 | 9,103,000 | 9,769,000 | 9,431,000 |
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 | 1,431,000 | 2,879,000 | 4,347,000 | 5,784,000 |
| Interest expense | 505,000 | 1,007,000 | 1,496,000 | 2,140,000 |
| Net interest income | 926,000 | 1,872,000 | 2,851,000 | 3,644,000 |
| Noninterest income | 110,000 | 272,000 | 443,000 | 615,000 |
| Noninterest expense | 632,000 | 1,299,000 | 1,942,000 | 2,531,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 374,000 | 785,000 | 1,323,000 | 1,532,000 |
| Income tax | 11,000 | 11,000 | 11,000 | 11,000 |
| Net income | 363,000 | 774,000 | 1,312,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,485,000 | 8,091,000 | 8,521,000 | 8,091,000 |
| Total capital | 9,262,000 | 8,896,000 | 9,337,000 | 8,919,000 |
| Risk-weighted assets | 74,718,000 | 76,844,000 | 77,674,000 | 77,883,000 |