Call reports 2009
FIRST NATIONAL BANK OF PANDORA, THE — 2009
What FIRST NATIONAL BANK OF PANDORA, 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 | 110,905,000 | 112,267,000 | 115,676,000 | 122,723,000 |
| Total loans | 74,668,000 | 75,823,000 | 77,176,000 | 78,086,000 |
| Allowance for loan losses | 1,097,000 | 1,128,000 | 1,189,000 | 1,223,000 |
| Securities available for sale | 25,206,000 | 26,227,000 | 26,212,000 | 27,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,755,000 | 95,075,000 | 98,105,000 | 104,976,000 |
| Interest-bearing deposits | 86,016,000 | 86,752,000 | 90,673,000 | 90,297,000 |
| Noninterest-bearing deposits | 7,739,000 | 8,323,000 | 7,432,000 | 14,679,000 |
| Equity capital | 9,769,000 | 9,888,000 | 10,172,000 | 10,398,000 |
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 | 1,586,000 | 3,131,000 | 4,645,000 | 6,111,000 |
| Interest expense | 514,000 | 1,016,000 | 1,473,000 | 1,868,000 |
| Net interest income | 1,072,000 | 2,115,000 | 3,172,000 | 4,243,000 |
| Noninterest income | 240,000 | 483,000 | 690,000 | 938,000 |
| Noninterest expense | 966,000 | 1,970,000 | 2,950,000 | 3,942,000 |
| Provision for loan losses | 25,000 | 65,000 | 125,000 | 140,000 |
| Pretax income | 325,000 | 568,000 | 792,000 | 1,106,000 |
| Income tax | 99,000 | 168,000 | 227,000 | 310,000 |
| Net income | 226,000 | 400,000 | 565,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,266,000 | 9,435,000 | 9,598,000 | 9,828,000 |
| Total capital | 10,299,000 | 10,478,000 | 10,670,000 | 10,916,000 |
| Risk-weighted assets | 82,548,000 | 83,336,000 | 85,669,000 | 86,950,000 |
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