Call reports 2009
BANK OF CALHOUN COUNTY — 2009
What BANK OF CALHOUN 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 | 60,846,000 | 62,061,000 | 64,066,000 | 64,343,000 |
| Total loans | 39,558,000 | 39,675,000 | 41,111,000 | 39,844,000 |
| Allowance for loan losses | 698,000 | 722,000 | 421,000 | 411,000 |
| Securities available for sale | 11,239,000 | 15,436,000 | 13,814,000 | 16,839,000 |
| Securities held to maturity | 19,000 | 18,000 | 16,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,574,000 | 53,648,000 | 54,730,000 | 55,394,000 |
| Interest-bearing deposits | 44,912,000 | 45,609,000 | 47,040,000 | 47,210,000 |
| Noninterest-bearing deposits | 8,662,000 | 8,039,000 | 7,690,000 | 8,184,000 |
| Equity capital | 6,175,000 | 6,294,000 | 6,451,000 | 6,408,000 |
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 | 780,000 | 1,560,000 | 2,356,000 | 3,132,000 |
| Interest expense | 298,000 | 580,000 | 844,000 | 1,098,000 |
| Net interest income | 482,000 | 980,000 | 1,512,000 | 2,034,000 |
| Noninterest income | 58,000 | 121,000 | 197,000 | 249,000 |
| Noninterest expense | 423,000 | 852,000 | 1,408,000 | 1,703,000 |
| Provision for loan losses | 0 | 0 | 0 | 53,000 |
| Pretax income | 117,000 | 249,000 | 301,000 | 527,000 |
| Income tax | 40,000 | 86,000 | 0 | 174,000 |
| Net income | 77,000 | 163,000 | 301,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,993,000 | 5,080,000 | 4,764,000 | 5,174,000 |
| Total capital | 5,441,000 | 5,537,000 | 5,135,000 | 5,236,000 |
| Risk-weighted assets | 35,896,000 | 36,580,000 | 38,183,000 | 37,665,000 |
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