Call reports 2009
FIRST NATIONAL BANK OF NIAGARA, THE — 2009
What FIRST NATIONAL BANK OF NIAGARA, THE 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 | 62,787,000 | 63,739,000 | 62,814,000 | 63,320,000 |
| Total loans | 39,800,000 | 38,718,000 | 37,747,000 | 37,594,000 |
| Allowance for loan losses | 443,000 | 460,000 | 495,000 | 533,000 |
| Securities available for sale | 6,709,000 | 5,703,000 | 4,176,000 | 4,645,000 |
| Securities held to maturity | 4,177,000 | 5,607,000 | 6,381,000 | 5,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,817,000 | 54,864,000 | 53,965,000 | 54,232,000 |
| Interest-bearing deposits | 48,821,000 | 50,015,000 | 48,605,000 | 48,684,000 |
| Noninterest-bearing deposits | 4,996,000 | 4,849,000 | 5,360,000 | 5,548,000 |
| Equity capital | 6,593,000 | 6,563,000 | 6,572,000 | 6,560,000 |
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 | 883,000 | 1,755,000 | 2,618,000 | 3,466,000 |
| Interest expense | 283,000 | 559,000 | 828,000 | 1,074,000 |
| Net interest income | 600,000 | 1,196,000 | 1,790,000 | 2,392,000 |
| Noninterest income | 106,000 | 175,000 | 258,000 | 313,000 |
| Noninterest expense | 550,000 | 1,149,000 | 1,738,000 | 2,319,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 96,000 | 102,000 | 130,000 | 166,000 |
| Income tax | 28,000 | 16,000 | 6,000 | 2,000 |
| Net income | 68,000 | 86,000 | 124,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,499,000 | 6,467,000 | 6,487,000 | 6,489,000 |
| Total capital | 6,942,000 | 6,928,000 | 6,942,000 | 6,936,000 |
| Risk-weighted assets | 36,388,000 | 36,475,000 | 35,587,000 | 35,941,000 |
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