Call reports 2009
JOURDANTON STATE BANK — 2009
What JOURDANTON 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 | 86,549,000 | 85,382,000 | 87,123,000 | 89,401,000 |
| Total loans | 26,007,000 | 29,089,000 | 30,597,000 | 32,861,000 |
| Allowance for loan losses | 386,000 | 384,000 | 372,000 | 370,000 |
| Securities available for sale | 32,914,000 | 32,426,000 | 31,003,000 | 30,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,610,000 | 69,211,000 | 70,496,000 | 72,589,000 |
| Interest-bearing deposits | 45,073,000 | 41,613,000 | 43,678,000 | 46,753,000 |
| Noninterest-bearing deposits | 23,537,000 | 27,598,000 | 26,818,000 | 25,836,000 |
| Equity capital | 16,703,000 | 14,781,000 | 15,142,000 | 15,113,000 |
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 | 862,000 | 1,752,000 | 2,669,000 | 3,613,000 |
| Interest expense | 94,000 | 186,000 | 274,000 | 358,000 |
| Net interest income | 768,000 | 1,566,000 | 2,395,000 | 3,255,000 |
| Noninterest income | 600,000 | 1,189,000 | 1,787,000 | 2,413,000 |
| Noninterest expense | 1,142,000 | 2,342,000 | 3,515,000 | 4,765,000 |
| Provision for loan losses | -2,000 | 7,000 | 17,000 | 28,000 |
| Pretax income | 228,000 | 406,000 | 650,000 | 875,000 |
| Income tax | 16,000 | 9,000 | 25,000 | 32,000 |
| Net income | 212,000 | 397,000 | 625,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,151,000 | 13,215,000 | 13,493,000 | 13,397,000 |
| Total capital | 15,537,000 | 13,599,000 | 13,865,000 | 13,767,000 |
| Risk-weighted assets | 43,559,000 | 52,205,000 | 47,580,000 | 48,876,000 |