Call reports 2009
FIRST NATIONAL BANK OF EMORY, THE — 2009
What FIRST NATIONAL BANK OF EMORY, 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 | 110,899,000 | 107,714,000 | 106,990,000 | 106,906,000 |
| Total loans | 40,377,000 | 41,369,000 | 43,174,000 | 42,404,000 |
| Allowance for loan losses | 638,000 | 708,000 | 800,000 | 875,000 |
| Securities available for sale | 59,245,000 | 58,744,000 | 53,702,000 | 57,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,917,000 | 90,100,000 | 87,500,000 | 88,161,000 |
| Interest-bearing deposits | 72,772,000 | 71,330,000 | 69,206,000 | 68,373,000 |
| Noninterest-bearing deposits | 21,145,000 | 18,770,000 | 18,294,000 | 19,788,000 |
| Equity capital | 9,645,000 | 10,112,000 | 11,649,000 | 11,231,000 |
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 | 1,327,000 | 2,657,000 | 3,898,000 | 4,995,000 |
| Interest expense | 390,000 | 749,000 | 1,084,000 | 1,394,000 |
| Net interest income | 937,000 | 1,908,000 | 2,814,000 | 3,601,000 |
| Noninterest income | 134,000 | 289,000 | 460,000 | 646,000 |
| Noninterest expense | 779,000 | 1,497,000 | 2,108,000 | 2,626,000 |
| Provision for loan losses | 63,000 | 126,000 | 219,000 | 312,000 |
| Pretax income | 333,000 | 678,000 | 1,043,000 | 1,416,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 333,000 | 678,000 | 1,043,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,364,000 | 9,651,000 | 9,918,000 | 9,670,000 |
| Total capital | 9,959,000 | 10,236,000 | 10,515,000 | 10,256,000 |
| Risk-weighted assets | 47,136,000 | 46,639,000 | 47,139,000 | 46,079,000 |
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