Call reports 2009
F & C BANK — 2009
What F & C BANK 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 | 117,483,000 | 115,049,000 | 114,393,000 | 114,365,000 |
| Total loans | 96,786,000 | 96,361,000 | 96,222,000 | 95,392,000 |
| Allowance for loan losses | 1,390,000 | 1,453,000 | 1,680,000 | 1,414,000 |
| Securities available for sale | 6,362,000 | 6,272,000 | 6,261,000 | 6,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,033,000 | 90,604,000 | 87,549,000 | 88,736,000 |
| Interest-bearing deposits | 83,668,000 | 78,141,000 | 62,463,000 | 75,504,000 |
| Noninterest-bearing deposits | 8,365,000 | 12,463,000 | 25,086,000 | 13,232,000 |
| Equity capital | 12,783,000 | 12,959,000 | 13,041,000 | 13,239,000 |
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 | 1,911,000 | 3,782,000 | 5,627,000 | 7,431,000 |
| Interest expense | 491,000 | 919,000 | 1,300,000 | 1,653,000 |
| Net interest income | 1,420,000 | 2,863,000 | 4,327,000 | 5,778,000 |
| Noninterest income | 242,000 | 516,000 | 803,000 | 1,045,000 |
| Noninterest expense | 1,083,000 | 2,228,000 | 3,439,000 | 4,529,000 |
| Provision for loan losses | 200,000 | 418,000 | 703,000 | 893,000 |
| Pretax income | 379,000 | 733,000 | 988,000 | 1,401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 379,000 | 733,000 | 988,000 | 1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,686,000 | 12,845,000 | 12,892,000 | 13,122,000 |
| Total capital | 13,827,000 | 14,091,000 | 14,105,000 | 14,150,000 |
| Risk-weighted assets | 101,549,000 | 99,985,000 | 95,812,000 | 93,440,000 |
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