Call reports 2009
FIRST STATE BANK OF BEARDSTOWN — 2009
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 56,455,000 | 56,292,000 | 57,183,000 |
| Total loans | 24,433,000 | 23,795,000 | 24,412,000 |
| Allowance for loan losses | 527,000 | 487,000 | 482,000 |
| Securities available for sale | 18,305,000 | 21,145,000 | 22,037,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 45,403,000 | 45,632,000 | 46,364,000 |
| Interest-bearing deposits | 36,484,000 | 36,539,000 | 37,571,000 |
| Noninterest-bearing deposits | 8,919,000 | 9,093,000 | 8,793,000 |
| Equity capital | 6,493,000 | 6,237,000 | 6,432,000 |
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 |
|---|---|---|---|
| Interest income | 710,000 | 1,353,000 | 1,981,000 |
| Interest expense | 272,000 | 497,000 | 695,000 |
| Net interest income | 438,000 | 856,000 | 1,286,000 |
| Noninterest income | 140,000 | 299,000 | 449,000 |
| Noninterest expense | 458,000 | 986,000 | 1,568,000 |
| Provision for loan losses | 15,000 | 30,000 | 47,000 |
| Pretax income | 155,000 | 243,000 | 224,000 |
| Income tax | 11,000 | 4,000 | 4,000 |
| Net income | 144,000 | 239,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 4,736,000 | 4,783,000 | 4,703,000 |
| Total capital | 5,102,000 | 5,156,000 | 5,088,000 |
| Risk-weighted assets | 29,124,000 | 29,698,000 | 30,688,000 |