Call reports 2009
FORESIGHT BANK — 2009
What FORESIGHT 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 | 164,311,000 | 162,084,000 | 167,458,000 | 174,795,000 |
| Total loans | 117,380,000 | 115,437,000 | 112,845,000 | 120,234,000 |
| Allowance for loan losses | 1,690,000 | 1,383,000 | 1,566,000 | 2,022,000 |
| Securities available for sale | 38,574,000 | 39,131,000 | 43,889,000 | 45,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,605,000 | 142,223,000 | 146,912,000 | 149,856,000 |
| Interest-bearing deposits | 132,349,000 | 133,181,000 | 137,398,000 | 139,661,000 |
| Noninterest-bearing deposits | 11,256,000 | 9,042,000 | 9,514,000 | 10,195,000 |
| Equity capital | 13,416,000 | 13,591,000 | 14,359,000 | 14,290,000 |
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 | 2,247,000 | 4,496,000 | 6,773,000 | 9,052,000 |
| Interest expense | 983,000 | 1,892,000 | 2,754,000 | 3,570,000 |
| Net interest income | 1,264,000 | 2,604,000 | 4,019,000 | 5,482,000 |
| Noninterest income | 162,000 | 411,000 | 628,000 | 832,000 |
| Noninterest expense | 893,000 | 1,839,000 | 2,682,000 | 3,491,000 |
| Provision for loan losses | 150,000 | 450,000 | 840,000 | 1,590,000 |
| Pretax income | 421,000 | 793,000 | 1,195,000 | 1,396,000 |
| Income tax | 111,000 | 201,000 | 298,000 | 312,000 |
| Net income | 310,000 | 592,000 | 897,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,027,000 | 13,309,000 | 13,426,000 | 13,618,000 |
| Total capital | 14,564,000 | 14,692,000 | 14,921,000 | 15,216,000 |
| Risk-weighted assets | 122,846,000 | 121,306,000 | 119,533,000 | 127,453,000 |