Call reports 2009
FIRST NATIONAL BANK OF DECATUR COUNTY — 2009
What FIRST NATIONAL BANK OF DECATUR COUNTY 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 | 93,050,000 | 94,808,000 | 95,400,000 | 106,890,000 |
| Total loans | 68,621,000 | 71,737,000 | 72,310,000 | 68,796,000 |
| Allowance for loan losses | 1,040,000 | 1,150,000 | 1,262,000 | 1,819,000 |
| Securities available for sale | 12,158,000 | 10,871,000 | 10,944,000 | 11,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,963,000 | 81,017,000 | 81,251,000 | 92,995,000 |
| Interest-bearing deposits | 73,122,000 | 74,510,000 | 73,988,000 | 76,157,000 |
| Noninterest-bearing deposits | 5,841,000 | 6,507,000 | 7,263,000 | 16,838,000 |
| Equity capital | 8,585,000 | 8,228,000 | 8,491,000 | 8,437,000 |
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 | 1,226,000 | 2,482,000 | 3,787,000 | 5,029,000 |
| Interest expense | 597,000 | 1,175,000 | 1,719,000 | 2,211,000 |
| Net interest income | 629,000 | 1,307,000 | 2,068,000 | 2,818,000 |
| Noninterest income | 89,000 | 174,000 | 234,000 | 296,000 |
| Noninterest expense | 464,000 | 956,000 | 1,432,000 | 1,989,000 |
| Provision for loan losses | 80,000 | 200,000 | 350,000 | 1,115,000 |
| Pretax income | 174,000 | -175,000 | 20,000 | -490,000 |
| Income tax | 60,000 | -72,000 | 2,000 | -197,000 |
| Net income | 114,000 | -103,000 | 18,000 | -293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,560,000 | 8,193,000 | 8,314,000 | 8,303,000 |
| Total capital | 9,478,000 | 9,129,000 | 9,280,000 | 9,145,000 |
| Risk-weighted assets | 73,294,000 | 74,662,000 | 77,018,000 | 66,368,000 |