Call reports 2009
NECEDAH BANK, THE — 2009
What NECEDAH BANK, 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 | 48,091,000 | 43,737,000 | 45,787,000 | 43,541,000 |
| Total loans | 26,380,000 | 26,053,000 | 26,201,000 | 24,545,000 |
| Allowance for loan losses | 511,000 | 557,000 | 493,000 | 385,000 |
| Securities available for sale | 6,506,000 | 8,008,000 | 10,805,000 | 10,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,061,000 | 32,795,000 | 34,878,000 | 35,247,000 |
| Interest-bearing deposits | 27,335,000 | 26,198,000 | 26,903,000 | 26,894,000 |
| Noninterest-bearing deposits | 7,726,000 | 6,597,000 | 7,975,000 | 8,353,000 |
| Equity capital | 6,523,000 | 6,720,000 | 6,704,000 | 4,190,000 |
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 | 508,000 | 991,000 | 1,449,000 | 1,905,000 |
| Interest expense | 167,000 | 330,000 | 481,000 | 607,000 |
| Net interest income | 341,000 | 661,000 | 968,000 | 1,298,000 |
| Noninterest income | 45,000 | 88,000 | 129,000 | 162,000 |
| Noninterest expense | 323,000 | 571,000 | 802,000 | 3,215,000 |
| Provision for loan losses | 198,000 | 243,000 | 342,000 | 1,028,000 |
| Pretax income | -113,000 | -40,000 | 12,000 | -2,724,000 |
| Income tax | 16,000 | 0 | 0 | -232,000 |
| Net income | -129,000 | -40,000 | 12,000 | -2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,083,000 | 4,267,000 | 4,252,000 | 3,928,000 |
| Total capital | 4,446,000 | 4,622,000 | 4,627,000 | 4,280,000 |
| Risk-weighted assets | 28,909,000 | 28,204,000 | 29,921,000 | 28,195,000 |