Call reports 2009
INVESTAR BANK, NATIONAL ASSOCIATION — 2009
What INVESTAR BANK, NATIONAL ASSOCIATION 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 | 155,215,000 | 159,374,000 | 165,033,000 | 173,914,000 |
| Total loans | 127,903,000 | 133,375,000 | 131,306,000 | 135,882,000 |
| Allowance for loan losses | 949,000 | 1,159,000 | 1,462,000 | 1,471,000 |
| Securities available for sale | 9,875,000 | 14,758,000 | 18,512,000 | 27,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,282,000 | 131,867,000 | 136,888,000 | 144,498,000 |
| Interest-bearing deposits | 121,467,000 | 125,336,000 | 131,715,000 | 136,225,000 |
| Noninterest-bearing deposits | 6,814,000 | 6,531,000 | 5,173,000 | 8,273,000 |
| Equity capital | 13,811,000 | 14,121,000 | 14,267,000 | 15,219,000 |
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 | 2,057,000 | 4,246,000 | 6,454,000 | 8,775,000 |
| Interest expense | 1,039,000 | 2,025,000 | 2,954,000 | 3,851,000 |
| Net interest income | 1,018,000 | 2,221,000 | 3,500,000 | 4,924,000 |
| Noninterest income | 47,000 | 231,000 | 454,000 | 673,000 |
| Noninterest expense | 836,000 | 1,856,000 | 2,938,000 | 4,051,000 |
| Provision for loan losses | 183,000 | 420,000 | 984,000 | 1,273,000 |
| Pretax income | 46,000 | 177,000 | 244,000 | 499,000 |
| Income tax | 11,000 | 55,000 | 74,000 | 170,000 |
| Net income | 35,000 | 122,000 | 170,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,509,000 | 13,840,000 | 14,123,000 | 15,066,000 |
| Total capital | 14,458,000 | 14,999,000 | 15,585,000 | 16,537,000 |
| Risk-weighted assets | 126,011,000 | 131,132,000 | 131,101,000 | 133,755,000 |