Call reports 2009
FIRST NATIONAL BANK OF MERTZON, THE — 2009
What FIRST NATIONAL BANK OF MERTZON, 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 | 175,673,000 | 173,441,000 | 167,461,000 | 172,536,000 |
| Total loans | 37,628,000 | 36,627,000 | 38,808,000 | 38,352,000 |
| Allowance for loan losses | 640,000 | 640,000 | 681,000 | 722,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 112,932,000 | 110,793,000 | 102,869,000 | 97,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,661,000 | 156,065,000 | 149,895,000 | 155,939,000 |
| Interest-bearing deposits | 119,419,000 | 121,902,000 | 114,563,000 | 112,244,000 |
| Noninterest-bearing deposits | 39,242,000 | 34,163,000 | 35,332,000 | 43,695,000 |
| Equity capital | 16,371,000 | 16,762,000 | 17,013,000 | 16,343,000 |
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 | 1,727,000 | 3,313,000 | 4,879,000 | 6,351,000 |
| Interest expense | 393,000 | 738,000 | 1,057,000 | 1,307,000 |
| Net interest income | 1,334,000 | 2,575,000 | 3,822,000 | 5,044,000 |
| Noninterest income | 85,000 | 166,000 | 245,000 | 330,000 |
| Noninterest expense | 778,000 | 1,639,000 | 2,467,000 | 3,539,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 140,000 |
| Pretax income | 641,000 | 1,102,000 | 1,520,000 | 1,695,000 |
| Income tax | 112,000 | 182,000 | 349,000 | 262,000 |
| Net income | 529,000 | 920,000 | 1,171,000 | 1,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,371,000 | 16,762,000 | 17,013,000 | 16,343,000 |
| Total capital | 17,011,000 | 17,402,000 | 17,694,000 | 17,065,000 |
| Risk-weighted assets | 57,987,000 | 57,487,000 | 57,444,000 | 58,175,000 |
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