Call reports 2009
GUIDE ROCK STATE BANK — 2009
What GUIDE ROCK 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 | 30,618,000 | 28,742,000 | 28,869,000 | 29,806,000 |
| Total loans | 21,763,000 | 21,277,000 | 22,037,000 | 21,281,000 |
| Allowance for loan losses | 714,000 | 672,000 | 525,000 | 575,000 |
| Securities available for sale | 3,364,000 | 3,317,000 | 3,243,000 | 3,559,000 |
| Securities held to maturity | 285,000 | 285,000 | 285,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,551,000 | 25,520,000 | 25,548,000 | 26,567,000 |
| Interest-bearing deposits | 23,062,000 | 21,772,000 | 22,228,000 | 21,952,000 |
| Noninterest-bearing deposits | 4,489,000 | 3,748,000 | 3,320,000 | 4,615,000 |
| Equity capital | 2,992,000 | 3,153,000 | 3,265,000 | 3,191,000 |
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 | 428,000 | 867,000 | 1,293,000 | 1,717,000 |
| Interest expense | 183,000 | 356,000 | 513,000 | 655,000 |
| Net interest income | 245,000 | 511,000 | 780,000 | 1,062,000 |
| Noninterest income | 38,000 | 79,000 | 126,000 | 164,000 |
| Noninterest expense | 205,000 | 451,000 | 651,000 | 954,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 155,000 |
| Pretax income | 65,000 | 118,000 | 200,000 | 127,000 |
| Income tax | 16,000 | -16,000 | -16,000 | -15,000 |
| Net income | 49,000 | 134,000 | 216,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,094,000 | 3,180,000 | 3,262,000 | 3,188,000 |
| Total capital | 3,399,000 | 3,478,000 | 3,569,000 | 3,496,000 |
| Risk-weighted assets | 24,011,000 | 23,467,000 | 24,370,000 | 24,342,000 |