Call reports 2009
FIRST TRI-COUNTY BANK — 2009
What FIRST TRI-COUNTY 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 | 43,229,000 | 44,573,000 | 43,746,000 | 45,032,000 |
| Total loans | 36,970,000 | 37,714,000 | 39,902,000 | 40,447,000 |
| Allowance for loan losses | 378,000 | 380,000 | 376,000 | 397,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,392,000 | 875,000 | 840,000 | 839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,425,000 | 40,720,000 | 39,824,000 | 40,507,000 |
| Interest-bearing deposits | 33,293,000 | 34,723,000 | 34,230,000 | 33,574,000 |
| Noninterest-bearing deposits | 6,132,000 | 5,997,000 | 5,595,000 | 6,933,000 |
| Equity capital | 3,412,000 | 3,561,000 | 3,694,000 | 3,900,000 |
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 | 632,000 | 1,264,000 | 1,913,000 | 2,550,000 |
| Interest expense | 213,000 | 416,000 | 603,000 | 775,000 |
| Net interest income | 419,000 | 848,000 | 1,310,000 | 1,775,000 |
| Noninterest income | 44,000 | 88,000 | 127,000 | 168,000 |
| Noninterest expense | 288,000 | 572,000 | 888,000 | 1,355,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 50,000 |
| Pretax income | 175,000 | 344,000 | 529,000 | 538,000 |
| Income tax | 20,000 | 40,000 | 92,000 | 170,000 |
| Net income | 155,000 | 304,000 | 437,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,937,000 | 3,086,000 | 3,219,000 | 3,425,000 |
| Total capital | 3,315,000 | 3,466,000 | 3,595,000 | 3,822,000 |
| Risk-weighted assets | 35,163,000 | 35,685,000 | 37,024,000 | 37,780,000 |
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