Call reports 2009
FALLS CITY NATIONAL BANK, THE — 2009
What FALLS CITY NATIONAL BANK, 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 | 139,991,000 | 140,082,000 | 140,858,000 | 144,780,000 |
| Total loans | 74,486,000 | 77,028,000 | 74,598,000 | 73,958,000 |
| Allowance for loan losses | 1,403,000 | 1,661,000 | 1,667,000 | 1,298,000 |
| Securities available for sale | 1,308,000 | 1,135,000 | 1,036,000 | 914,000 |
| Securities held to maturity | 29,312,000 | 28,860,000 | 27,777,000 | 31,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,400,000 | 122,243,000 | 123,162,000 | 127,519,000 |
| Interest-bearing deposits | 101,767,000 | 102,524,000 | 95,655,000 | 106,151,000 |
| Noninterest-bearing deposits | 20,633,000 | 19,718,000 | 27,506,000 | 21,367,000 |
| Equity capital | 16,993,000 | 17,338,000 | 17,237,000 | 16,806,000 |
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 | 1,857,000 | 3,748,000 | 5,580,000 | 7,396,000 |
| Interest expense | 662,000 | 1,249,000 | 1,783,000 | 2,255,000 |
| Net interest income | 1,195,000 | 2,499,000 | 3,797,000 | 5,141,000 |
| Noninterest income | 81,000 | 166,000 | 259,000 | 343,000 |
| Noninterest expense | 636,000 | 1,303,000 | 1,943,000 | 2,857,000 |
| Provision for loan losses | 425,000 | 775,000 | 1,000,000 | 1,300,000 |
| Pretax income | 215,000 | 587,000 | 1,113,000 | 1,327,000 |
| Income tax | 52,000 | 81,000 | 313,000 | 362,000 |
| Net income | 163,000 | 506,000 | 800,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,983,000 | 17,325,000 | 17,220,000 | 16,793,000 |
| Total capital | 17,951,000 | 18,308,000 | 18,183,000 | 17,758,000 |
| Risk-weighted assets | 77,034,000 | 77,993,000 | 76,332,000 | 76,893,000 |