Call reports 2009
STATE BANK OF CONWAY SPRINGS — 2009
What STATE BANK OF CONWAY SPRINGS 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 | 20,708,000 | 20,382,000 | 19,955,000 | 21,344,000 |
| Total loans | 14,222,000 | 13,946,000 | 12,975,000 | 14,015,000 |
| Allowance for loan losses | 249,000 | 191,000 | 207,000 | 209,000 |
| Securities available for sale | 4,825,000 | 4,586,000 | 4,404,000 | 4,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,019,000 | 15,501,000 | 15,861,000 | 17,923,000 |
| Interest-bearing deposits | 13,357,000 | 12,943,000 | 13,398,000 | 14,427,000 |
| Noninterest-bearing deposits | 2,662,000 | 2,558,000 | 2,463,000 | 3,496,000 |
| Equity capital | 1,989,000 | 2,004,000 | 2,086,000 | 2,002,000 |
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 | 304,000 | 610,000 | 907,000 | 1,203,000 |
| Interest expense | 84,000 | 162,000 | 242,000 | 320,000 |
| Net interest income | 220,000 | 448,000 | 665,000 | 883,000 |
| Noninterest income | 24,000 | 49,000 | 88,000 | 111,000 |
| Noninterest expense | 163,000 | 347,000 | 510,000 | 886,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 81,000 | 110,000 | 203,000 | 68,000 |
| Income tax | 20,000 | 34,000 | 64,000 | -6,000 |
| Net income | 61,000 | 76,000 | 139,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,891,000 | 1,906,000 | 1,969,000 | 1,904,000 |
| Total capital | 2,084,000 | 2,097,000 | 2,149,000 | 2,094,000 |
| Risk-weighted assets | 15,356,000 | 15,285,000 | 14,334,000 | 15,220,000 |