Call reports 2009
FIRST NATIONAL BANK OF GIRARD — 2009
What FIRST NATIONAL BANK OF GIRARD 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 | 74,168,000 | 72,021,000 | 71,657,000 | 79,409,000 |
| Total loans | 45,733,000 | 45,456,000 | 44,554,000 | 43,550,000 |
| Allowance for loan losses | 551,000 | 580,000 | 601,000 | 610,000 |
| Securities available for sale | 25,505,000 | 24,645,000 | 25,043,000 | 25,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,610,000 | 59,713,000 | 59,602,000 | 63,591,000 |
| Interest-bearing deposits | 52,853,000 | 51,248,000 | 51,464,000 | 55,359,000 |
| Noninterest-bearing deposits | 7,757,000 | 8,465,000 | 8,138,000 | 8,231,000 |
| Equity capital | 7,524,000 | 7,375,000 | 7,492,000 | 7,495,000 |
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 | 995,000 | 1,953,000 | 2,866,000 | 3,760,000 |
| Interest expense | 333,000 | 640,000 | 927,000 | 1,178,000 |
| Net interest income | 662,000 | 1,313,000 | 1,939,000 | 2,582,000 |
| Noninterest income | 69,000 | 141,000 | 228,000 | 297,000 |
| Noninterest expense | 384,000 | 769,000 | 1,229,000 | 1,746,000 |
| Provision for loan losses | 125,000 | 412,000 | 487,000 | 510,000 |
| Pretax income | 222,000 | 273,000 | 451,000 | 623,000 |
| Income tax | 8,000 | 13,000 | 17,000 | 11,000 |
| Net income | 214,000 | 260,000 | 434,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,377,000 | 7,289,000 | 7,369,000 | 7,487,000 |
| Total capital | 7,928,000 | 7,869,000 | 7,928,000 | 8,080,000 |
| Risk-weighted assets | 50,481,000 | 46,300,000 | 44,719,000 | 46,629,000 |
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