Call reports 2009
FIRST NATIONAL BANK IN STAUNTON, THE — 2009
What FIRST NATIONAL BANK IN STAUNTON, 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 | 447,882,000 | 457,720,000 | 467,039,000 | 459,780,000 |
| Total loans | 278,356,000 | 277,344,000 | 272,854,000 | 268,930,000 |
| Allowance for loan losses | 4,423,000 | 4,472,000 | 4,639,000 | 4,820,000 |
| Securities available for sale | 122,665,000 | 123,567,000 | 145,176,000 | 137,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,113,000 | 353,528,000 | 371,307,000 | 370,108,000 |
| Interest-bearing deposits | 298,583,000 | 302,924,000 | 316,936,000 | 316,155,000 |
| Noninterest-bearing deposits | 52,529,000 | 50,604,000 | 54,372,000 | 53,952,000 |
| Equity capital | 37,742,000 | 40,614,000 | 44,454,000 | 44,551,000 |
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 | 5,813,000 | 11,490,000 | 17,187,000 | 22,642,000 |
| Interest expense | 2,185,000 | 4,346,000 | 6,464,000 | 8,417,000 |
| Net interest income | 3,628,000 | 7,144,000 | 10,723,000 | 14,225,000 |
| Noninterest income | 885,000 | 1,977,000 | 2,978,000 | 3,970,000 |
| Noninterest expense | 2,729,000 | 5,544,000 | 8,810,000 | 11,952,000 |
| Provision for loan losses | 120,000 | 310,000 | 535,000 | 1,085,000 |
| Pretax income | 1,947,000 | 3,527,000 | 4,910,000 | 5,755,000 |
| Income tax | 20,000 | 20,000 | 20,000 | 20,000 |
| Net income | 1,927,000 | 3,507,000 | 4,890,000 | 5,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,973,000 | 37,119,000 | 38,162,000 | 39,019,000 |
| Total capital | 38,683,000 | 40,887,000 | 41,790,000 | 42,625,000 |
| Risk-weighted assets | 296,058,000 | 300,730,000 | 296,778,000 | 294,528,000 |
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