Call reports 2009
ANDALUSIA COMMUNITY BANK — 2009
What ANDALUSIA COMMUNITY 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 | 33,325,000 | 33,194,000 | 34,727,000 | 35,343,000 |
| Total loans | 15,581,000 | 15,836,000 | 16,444,000 | 17,791,000 |
| Allowance for loan losses | 100,000 | 117,000 | 147,000 | 161,000 |
| Securities available for sale | 9,386,000 | 9,551,000 | 9,992,000 | 9,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,590,000 | 27,125,000 | 28,570,000 | 28,775,000 |
| Interest-bearing deposits | 23,801,000 | 23,943,000 | 25,484,000 | 25,556,000 |
| Noninterest-bearing deposits | 3,789,000 | 3,182,000 | 3,086,000 | 3,219,000 |
| Equity capital | 5,273,000 | 5,354,000 | 5,591,000 | 5,622,000 |
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 | 464,000 | 925,000 | 1,387,000 | 1,865,000 |
| Interest expense | 139,000 | 276,000 | 413,000 | 546,000 |
| Net interest income | 325,000 | 649,000 | 974,000 | 1,319,000 |
| Noninterest income | 62,000 | 137,000 | 213,000 | 285,000 |
| Noninterest expense | 218,000 | 443,000 | 735,000 | 996,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 159,000 | 318,000 | 412,000 | 553,000 |
| Income tax | 42,000 | 90,000 | 96,000 | 122,000 |
| Net income | 117,000 | 228,000 | 316,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,171,000 | 5,283,000 | 5,370,000 | 5,485,000 |
| Total capital | 5,271,000 | 5,400,000 | 5,517,000 | 5,646,000 |
| Risk-weighted assets | 17,891,000 | 18,733,000 | 19,749,000 | 20,115,000 |