Call reports 2009
DECATUR STATE BANK — 2009
What DECATUR 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 | 186,315,000 | 190,973,000 | 200,010,000 | 208,316,000 |
| Total loans | 154,627,000 | 158,313,000 | 163,735,000 | 165,799,000 |
| Allowance for loan losses | 1,762,000 | 1,850,000 | 3,592,000 | 3,143,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,462,000 | 18,786,000 | 19,231,000 | 18,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,903,000 | 127,608,000 | 141,449,000 | 151,996,000 |
| Interest-bearing deposits | 116,294,000 | 117,921,000 | 132,423,000 | 141,336,000 |
| Noninterest-bearing deposits | 9,609,000 | 9,687,000 | 9,026,000 | 10,660,000 |
| Equity capital | 22,719,000 | 23,169,000 | 21,878,000 | 22,660,000 |
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 | 3,027,000 | 6,242,000 | 9,611,000 | 12,975,000 |
| Interest expense | 1,183,000 | 2,229,000 | 3,212,000 | 4,149,000 |
| Net interest income | 1,844,000 | 4,013,000 | 6,399,000 | 8,826,000 |
| Noninterest income | 428,000 | 778,000 | 1,264,000 | 1,780,000 |
| Noninterest expense | 1,333,000 | 2,605,000 | 4,253,000 | 5,894,000 |
| Provision for loan losses | 375,000 | 775,000 | 2,695,000 | 2,795,000 |
| Pretax income | 564,000 | 1,411,000 | 715,000 | 1,917,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 564,000 | 1,409,000 | 713,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,719,000 | 23,169,000 | 21,878,000 | 22,660,000 |
| Total capital | 24,481,000 | 25,019,000 | 23,951,000 | 24,768,000 |
| Risk-weighted assets | 153,912,000 | 158,199,000 | 163,581,000 | 166,853,000 |