Call reports 2009
FIRST STATE BANK OF ST. ROBERT — 2009
What FIRST STATE BANK OF ST. ROBERT 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 | 84,723,000 | 87,187,000 | 91,833,000 | 89,246,000 |
| Total loans | 57,372,000 | 59,423,000 | 59,368,000 | 58,659,000 |
| Allowance for loan losses | 698,000 | 725,000 | 747,000 | 768,000 |
| Securities available for sale | 13,681,000 | 14,281,000 | 16,176,000 | 18,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,025,000 | 75,368,000 | 79,645,000 | 79,101,000 |
| Interest-bearing deposits | 64,882,000 | 66,690,000 | 70,667,000 | 71,201,000 |
| Noninterest-bearing deposits | 8,143,000 | 8,678,000 | 8,978,000 | 7,900,000 |
| Equity capital | 7,385,000 | 7,495,000 | 7,814,000 | 7,906,000 |
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 | 1,247,000 | 2,533,000 | 3,825,000 | 5,114,000 |
| Interest expense | 422,000 | 845,000 | 1,274,000 | 1,676,000 |
| Net interest income | 825,000 | 1,688,000 | 2,551,000 | 3,438,000 |
| Noninterest income | 205,000 | 388,000 | 574,000 | 728,000 |
| Noninterest expense | 740,000 | 1,568,000 | 2,355,000 | 3,144,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 155,000 |
| Pretax income | 250,000 | 438,000 | 670,000 | 867,000 |
| Income tax | 73,000 | 123,000 | 177,000 | 228,000 |
| Net income | 177,000 | 315,000 | 493,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,270,000 | 7,408,000 | 7,586,000 | 7,732,000 |
| Total capital | 7,922,000 | 8,088,000 | 8,270,000 | 8,415,000 |
| Risk-weighted assets | 52,133,000 | 54,357,000 | 54,659,000 | 54,575,000 |