Call reports 2009
FIRST NATIONAL BANK OF HOLCOMB — 2009
What FIRST NATIONAL BANK OF HOLCOMB 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 | 48,223,000 | 48,355,000 | 48,187,000 | 47,496,000 |
| Total loans | 26,182,000 | 27,867,000 | 27,654,000 | 27,061,000 |
| Allowance for loan losses | 100,000 | 97,000 | 102,000 | 113,000 |
| Securities available for sale | 16,904,000 | 17,500,000 | 17,398,000 | 17,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,901,000 | 41,133,000 | 39,812,000 | 39,703,000 |
| Interest-bearing deposits | 40,071,000 | 39,595,000 | 38,279,000 | 37,548,000 |
| Noninterest-bearing deposits | 1,830,000 | 1,538,000 | 1,533,000 | 2,155,000 |
| Equity capital | 5,916,000 | 5,982,000 | 6,399,000 | 6,289,000 |
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 | 761,000 | 1,454,000 | 2,183,000 | 2,868,000 |
| Interest expense | 191,000 | 375,000 | 548,000 | 705,000 |
| Net interest income | 570,000 | 1,079,000 | 1,635,000 | 2,163,000 |
| Noninterest income | 62,000 | 80,000 | 121,000 | 155,000 |
| Noninterest expense | 365,000 | 714,000 | 1,107,000 | 1,457,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 33,000 |
| Pretax income | 271,000 | 440,000 | 705,000 | 925,000 |
| Income tax | 72,000 | 154,000 | 251,000 | 331,000 |
| Net income | 199,000 | 286,000 | 454,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 5,943,000 | 6,111,000 | 6,124,000 |
| Total capital | 5,898,000 | 6,040,000 | 6,213,000 | 6,237,000 |
| Risk-weighted assets | 28,892,000 | 30,289,000 | 29,958,000 | 29,952,000 |