Call reports 2009
TRI-COUNTY BANK — 2009
What TRI-COUNTY 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 | 51,254,000 | 53,316,000 | 52,684,000 | 52,770,000 |
| Total loans | 42,832,000 | 41,925,000 | 44,739,000 | 40,380,000 |
| Allowance for loan losses | 458,000 | 467,000 | 505,000 | 543,000 |
| Securities available for sale | 1,776,000 | 1,295,000 | 1,293,000 | 1,284,000 |
| Securities held to maturity | 652,000 | 652,000 | 652,000 | 652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,570,000 | 40,080,000 | 41,432,000 | 41,483,000 |
| Interest-bearing deposits | 34,531,000 | 37,270,000 | 37,793,000 | 38,194,000 |
| Noninterest-bearing deposits | 3,039,000 | 2,810,000 | 3,639,000 | 3,289,000 |
| Equity capital | 5,553,000 | 5,596,000 | 5,652,000 | 5,710,000 |
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 | 737,000 | 1,497,000 | 2,260,000 | 2,999,000 |
| Interest expense | 317,000 | 639,000 | 954,000 | 1,221,000 |
| Net interest income | 420,000 | 858,000 | 1,306,000 | 1,778,000 |
| Noninterest income | 77,000 | 167,000 | 234,000 | 315,000 |
| Noninterest expense | 428,000 | 878,000 | 1,275,000 | 1,698,000 |
| Provision for loan losses | 27,000 | 62,000 | 96,000 | 131,000 |
| Pretax income | 42,000 | 85,000 | 169,000 | 264,000 |
| Income tax | 11,000 | 24,000 | 51,000 | 82,000 |
| Net income | 31,000 | 61,000 | 118,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,535,000 | 5,565,000 | 5,623,000 | 5,687,000 |
| Total capital | 5,993,000 | 6,032,000 | 6,128,000 | 6,179,000 |
| Risk-weighted assets | 41,402,000 | 40,733,000 | 42,811,000 | 39,286,000 |