Call reports 2009
FREEDOM BANK OF SOUTHERN MISSOURI — 2009
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 93,803,000 | 93,868,000 | 98,462,000 | 101,022,000 |
| Total loans | 76,127,000 | 76,199,000 | 79,491,000 | 83,262,000 |
| Allowance for loan losses | 839,000 | 854,000 | 928,000 | 972,000 |
| Securities available for sale | 6,691,000 | 7,129,000 | 8,046,000 | 8,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,522,000 | 83,881,000 | 88,057,000 | 91,870,000 |
| Interest-bearing deposits | 76,113,000 | 78,674,000 | 82,615,000 | 86,873,000 |
| Noninterest-bearing deposits | 6,409,000 | 5,207,000 | 5,442,000 | 4,997,000 |
| Equity capital | 7,460,000 | 7,565,000 | 7,979,000 | 7,821,000 |
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 | 1,430,000 | 2,828,000 | 4,319,000 | 5,795,000 |
| Interest expense | 554,000 | 1,093,000 | 1,607,000 | 2,115,000 |
| Net interest income | 876,000 | 1,735,000 | 2,712,000 | 3,680,000 |
| Noninterest income | 241,000 | 381,000 | 503,000 | 536,000 |
| Noninterest expense | 686,000 | 1,375,000 | 2,059,000 | 2,603,000 |
| Provision for loan losses | 122,000 | 242,000 | 407,000 | 547,000 |
| Pretax income | 309,000 | 499,000 | 749,000 | 1,066,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 499,000 | 749,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,389,000 | 7,547,000 | 7,797,000 | 7,739,000 |
| Total capital | 8,228,000 | 8,401,000 | 8,725,000 | 8,689,000 |
| Risk-weighted assets | 70,556,000 | 71,009,000 | 74,512,000 | 75,988,000 |