Call reports 2009
HUSTISFORD STATE BANK — 2009
What HUSTISFORD 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 | 46,358,000 | 46,737,000 | 46,493,000 | 50,807,000 |
| Total loans | 37,290,000 | 38,088,000 | 39,047,000 | 40,441,000 |
| Allowance for loan losses | 533,000 | 473,000 | 491,000 | 514,000 |
| Securities available for sale | 3,615,000 | 3,579,000 | 3,367,000 | 4,241,000 |
| Securities held to maturity | 55,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,186,000 | 34,134,000 | 33,616,000 | 37,502,000 |
| Interest-bearing deposits | 27,917,000 | 28,581,000 | 28,319,000 | 31,234,000 |
| Noninterest-bearing deposits | 5,269,000 | 5,553,000 | 5,297,000 | 6,268,000 |
| Equity capital | 6,776,000 | 6,864,000 | 6,973,000 | 6,910,000 |
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 | 655,000 | 1,299,000 | 1,951,000 | 2,615,000 |
| Interest expense | 221,000 | 429,000 | 627,000 | 794,000 |
| Net interest income | 434,000 | 870,000 | 1,324,000 | 1,821,000 |
| Noninterest income | 25,000 | 53,000 | 82,000 | 126,000 |
| Noninterest expense | 322,000 | 634,000 | 953,000 | 1,304,000 |
| Provision for loan losses | 11,000 | 30,000 | 52,000 | 75,000 |
| Pretax income | 126,000 | 259,000 | 401,000 | 568,000 |
| Income tax | 44,000 | 78,000 | 123,000 | 177,000 |
| Net income | 82,000 | 181,000 | 278,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,730,000 | 6,828,000 | 6,925,000 | 6,876,000 |
| Total capital | 7,132,000 | 7,234,000 | 7,333,000 | 7,300,000 |
| Risk-weighted assets | 32,033,000 | 32,412,000 | 32,585,000 | 33,814,000 |