Call reports 2009
FIRST NATIONAL BANK IN FRANKFORT — 2009
What FIRST NATIONAL BANK IN FRANKFORT 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 | 30,676,000 | 30,174,000 | 31,130,000 | 32,198,000 |
| Total loans | 13,856,000 | 13,948,000 | 14,258,000 | 14,242,000 |
| Allowance for loan losses | 185,000 | 198,000 | 304,000 | 338,000 |
| Securities available for sale | 12,958,000 | 12,620,000 | 14,205,000 | 14,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,620,000 | 24,394,000 | 25,015,000 | 26,097,000 |
| Interest-bearing deposits | 20,153,000 | 19,978,000 | 20,879,000 | 21,404,000 |
| Noninterest-bearing deposits | 4,467,000 | 4,417,000 | 4,136,000 | 4,693,000 |
| Equity capital | 3,083,000 | 3,077,000 | 3,417,000 | 3,428,000 |
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 | 400,000 | 787,000 | 1,206,000 | 1,598,000 |
| Interest expense | 158,000 | 295,000 | 422,000 | 541,000 |
| Net interest income | 242,000 | 492,000 | 784,000 | 1,057,000 |
| Noninterest income | 39,000 | 73,000 | 111,000 | 170,000 |
| Noninterest expense | 218,000 | 412,000 | 647,000 | 862,000 |
| Provision for loan losses | 54,000 | 69,000 | 144,000 | 144,000 |
| Pretax income | 26,000 | 102,000 | 122,000 | 239,000 |
| Income tax | 1,000 | 4,000 | 5,000 | 9,000 |
| Net income | 25,000 | 98,000 | 117,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,904,000 | 2,957,000 | 2,955,000 | 3,049,000 |
| Total capital | 3,089,000 | 3,155,000 | 3,171,000 | 3,268,000 |
| Risk-weighted assets | 17,510,000 | 16,675,000 | 17,184,000 | 17,396,000 |