Call reports 2009
FORD COUNTY STATE BANK — 2009
What FORD COUNTY 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 | 27,419,000 | 28,633,000 | 27,911,000 | 28,132,000 |
| Total loans | 15,730,000 | 15,987,000 | 16,198,000 | 16,787,000 |
| Allowance for loan losses | 310,000 | 318,000 | 331,000 | 328,000 |
| Securities available for sale | 9,412,000 | 7,049,000 | 7,026,000 | 7,274,000 |
| Securities held to maturity | 0 | 754,000 | 753,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,415,000 | 24,600,000 | 23,803,000 | 24,017,000 |
| Interest-bearing deposits | 21,068,000 | 22,232,000 | 21,499,000 | 21,109,000 |
| Noninterest-bearing deposits | 2,347,000 | 2,368,000 | 2,303,000 | 2,908,000 |
| Equity capital | 3,743,000 | 3,775,000 | 3,857,000 | 3,868,000 |
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 | 341,000 | 686,000 | 1,012,000 | 1,347,000 |
| Interest expense | 92,000 | 178,000 | 264,000 | 345,000 |
| Net interest income | 249,000 | 508,000 | 748,000 | 1,002,000 |
| Noninterest income | 20,000 | 36,000 | 50,000 | 67,000 |
| Noninterest expense | 211,000 | 381,000 | 593,000 | 791,000 |
| Provision for loan losses | 0 | 7,000 | 18,000 | 30,000 |
| Pretax income | 58,000 | 156,000 | 187,000 | 248,000 |
| Income tax | 13,000 | 46,000 | 51,000 | 63,000 |
| Net income | 45,000 | 110,000 | 136,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,616,000 | 3,681,000 | 3,708,000 | 3,757,000 |
| Total capital | 3,854,000 | 3,922,000 | 3,958,000 | 4,015,000 |
| Risk-weighted assets | 18,970,000 | 19,263,000 | 19,905,000 | 20,541,000 |