Call reports 2009
RNB STATE BANK — 2009
What RNB 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 | 150,993,000 | 151,414,000 | 151,681,000 | 151,060,000 |
| Total loans | 105,529,000 | 104,287,000 | 105,160,000 | 99,530,000 |
| Allowance for loan losses | 1,342,000 | 1,329,000 | 1,609,000 | 1,999,000 |
| Securities available for sale | 31,188,000 | 24,303,000 | 22,820,000 | 23,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,205,000 | 131,450,000 | 131,963,000 | 131,123,000 |
| Interest-bearing deposits | 107,841,000 | 114,726,000 | 113,474,000 | 111,942,000 |
| Noninterest-bearing deposits | 18,364,000 | 16,724,000 | 18,489,000 | 19,181,000 |
| Equity capital | 15,119,000 | 14,883,000 | 14,810,000 | 14,732,000 |
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 | 1,887,000 | 3,685,000 | 5,524,000 | 7,083,000 |
| Interest expense | 381,000 | 740,000 | 1,074,000 | 1,382,000 |
| Net interest income | 1,506,000 | 2,945,000 | 4,450,000 | 5,701,000 |
| Noninterest income | 191,000 | 378,000 | 588,000 | 803,000 |
| Noninterest expense | 1,513,000 | 2,999,000 | 4,476,000 | 6,040,000 |
| Provision for loan losses | 30,000 | 350,000 | 705,000 | 1,650,000 |
| Pretax income | 154,000 | -26,000 | 113,000 | -923,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | -26,000 | 113,000 | -923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,475,000 | 14,295,000 | 14,434,000 | 14,397,000 |
| Total capital | 15,817,000 | 15,624,000 | 15,917,000 | 15,822,000 |
| Risk-weighted assets | 119,961,000 | 118,587,000 | 118,959,000 | 113,934,000 |