Call reports 2009
MISSISSIPPI RIVER BANK — 2009
What MISSISSIPPI RIVER 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 | 174,080,000 | 167,642,000 | 167,648,000 | 169,587,000 |
| Total loans | 73,921,000 | 76,955,000 | 75,708,000 | 74,706,000 |
| Allowance for loan losses | 1,214,000 | 1,238,000 | 1,274,000 | 1,126,000 |
| Securities available for sale | 40,222,000 | 42,229,000 | 44,593,000 | 51,266,000 |
| Securities held to maturity | 20,566,000 | 23,785,000 | 26,053,000 | 28,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,909,000 | 145,757,000 | 143,247,000 | 148,085,000 |
| Interest-bearing deposits | 85,848,000 | 81,122,000 | 84,654,000 | 89,402,000 |
| Noninterest-bearing deposits | 67,061,000 | 64,635,000 | 58,592,000 | 58,683,000 |
| Equity capital | 18,346,000 | 19,042,000 | 20,214,000 | 18,149,000 |
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 | 1,992,000 | 3,963,000 | 5,979,000 | 7,949,000 |
| Interest expense | 140,000 | 259,000 | 372,000 | 482,000 |
| Net interest income | 1,852,000 | 3,704,000 | 5,607,000 | 7,467,000 |
| Noninterest income | 173,000 | 349,000 | 540,000 | 718,000 |
| Noninterest expense | 1,064,000 | 2,098,000 | 3,102,000 | 4,217,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 0 |
| Pretax income | 998,000 | 1,962,000 | 3,022,000 | 4,070,000 |
| Income tax | 275,000 | 535,000 | 800,000 | 1,062,000 |
| Net income | 723,000 | 1,427,000 | 2,222,000 | 3,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,981,000 | 18,685,000 | 19,480,000 | 17,380,000 |
| Total capital | 18,947,000 | 19,669,000 | 20,450,000 | 18,318,000 |
| Risk-weighted assets | 77,301,000 | 78,691,000 | 77,279,000 | 75,083,000 |