Call reports 2009
FIRST NATIONAL BANK OF CARMI, THE — 2009
What FIRST NATIONAL BANK OF CARMI, 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 | 264,392,000 | 269,721,000 | 281,062,000 | 266,572,000 |
| Total loans | 160,081,000 | 163,504,000 | 169,745,000 | 179,882,000 |
| Allowance for loan losses | 2,353,000 | 2,365,000 | 2,402,000 | 2,240,000 |
| Securities available for sale | 52,181,000 | 72,203,000 | 80,108,000 | 60,902,000 |
| Securities held to maturity | 555,000 | 555,000 | 555,000 | 555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,699,000 | 242,405,000 | 252,523,000 | 240,834,000 |
| Interest-bearing deposits | 221,230,000 | 225,374,000 | 222,553,000 | 220,138,000 |
| Noninterest-bearing deposits | 16,469,000 | 17,031,000 | 29,970,000 | 20,696,000 |
| Equity capital | 20,627,000 | 21,193,000 | 22,015,000 | 24,190,000 |
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 | 3,073,000 | 6,080,000 | 9,296,000 | 12,769,000 |
| Interest expense | 1,043,000 | 2,031,000 | 2,971,000 | 3,836,000 |
| Net interest income | 2,030,000 | 4,049,000 | 6,325,000 | 8,933,000 |
| Noninterest income | 567,000 | 1,260,000 | 1,972,000 | 2,382,000 |
| Noninterest expense | 2,084,000 | 4,227,000 | 6,580,000 | 9,193,000 |
| Provision for loan losses | 0 | 28,000 | 93,000 | 131,000 |
| Pretax income | 517,000 | 1,058,000 | 1,414,000 | 1,713,000 |
| Income tax | 137,000 | 286,000 | 374,000 | 389,000 |
| Net income | 380,000 | 772,000 | 1,040,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,597,000 | 19,042,000 | 19,105,000 | 21,348,000 |
| Total capital | 20,779,000 | 21,314,000 | 21,486,000 | 23,588,000 |
| Risk-weighted assets | 177,226,000 | 181,881,000 | 194,552,000 | 191,473,000 |
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