Call reports 2009
BANK OF ST. FRANCISVILLE — 2009
What BANK OF ST. FRANCISVILLE 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 | 91,667,000 | 90,451,000 | 91,576,000 | 96,137,000 |
| Total loans | 64,673,000 | 64,522,000 | 64,099,000 | 63,886,000 |
| Allowance for loan losses | 787,000 | 725,000 | 634,000 | 619,000 |
| Securities available for sale | 7,692,000 | 6,888,000 | 6,345,000 | 11,680,000 |
| Securities held to maturity | 609,000 | 609,000 | 609,000 | 609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,022,000 | 70,586,000 | 70,475,000 | 77,859,000 |
| Interest-bearing deposits | 52,362,000 | 51,951,000 | 51,754,000 | 59,622,000 |
| Noninterest-bearing deposits | 18,660,000 | 18,635,000 | 18,721,000 | 18,237,000 |
| Equity capital | 8,479,000 | 8,531,000 | 8,687,000 | 8,662,000 |
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 | 1,324,000 | 2,601,000 | 3,901,000 | 5,219,000 |
| Interest expense | 411,000 | 776,000 | 1,119,000 | 1,417,000 |
| Net interest income | 913,000 | 1,825,000 | 2,782,000 | 3,802,000 |
| Noninterest income | 226,000 | 498,000 | 779,000 | 1,050,000 |
| Noninterest expense | 930,000 | 1,855,000 | 2,818,000 | 3,816,000 |
| Provision for loan losses | 78,000 | 206,000 | 284,000 | 377,000 |
| Pretax income | 131,000 | 262,000 | 459,000 | 659,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 131,000 | 262,000 | 459,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,345,000 | 8,375,000 | 8,473,000 | 8,567,000 |
| Total capital | 9,126,000 | 9,100,000 | 9,107,000 | 9,186,000 |
| Risk-weighted assets | 62,495,000 | 61,801,000 | 62,077,000 | 64,346,000 |