Call reports 2009
FBT BANK & MORTGAGE — 2009
What FBT BANK & MORTGAGE 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 | 107,129,000 | 109,369,000 | 111,866,000 | 112,756,000 |
| Total loans | 59,008,000 | 58,554,000 | 57,527,000 | 57,710,000 |
| Allowance for loan losses | 1,163,000 | 1,178,000 | 1,100,000 | 1,481,000 |
| Securities available for sale | 36,571,000 | 36,467,000 | 38,784,000 | 39,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,883,000 | 83,720,000 | 85,503,000 | 86,996,000 |
| Interest-bearing deposits | 66,540,000 | 68,312,000 | 70,072,000 | 70,871,000 |
| Noninterest-bearing deposits | 15,343,000 | 15,408,000 | 15,431,000 | 16,125,000 |
| Equity capital | 10,478,000 | 10,775,000 | 11,526,000 | 10,900,000 |
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 | 1,558,000 | 3,095,000 | 4,632,000 | 6,164,000 |
| Interest expense | 479,000 | 925,000 | 1,356,000 | 1,781,000 |
| Net interest income | 1,079,000 | 2,170,000 | 3,276,000 | 4,383,000 |
| Noninterest income | 262,000 | 557,000 | 862,000 | 1,177,000 |
| Noninterest expense | 955,000 | 1,967,000 | 2,914,000 | 3,722,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 541,000 | 915,000 | 1,379,000 | 1,179,000 |
| Income tax | 74,000 | 160,000 | 287,000 | 221,000 |
| Net income | 467,000 | 755,000 | 1,092,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,722,000 | 11,010,000 | 11,347,000 | 10,886,000 |
| Total capital | 11,507,000 | 11,821,000 | 12,141,000 | 11,700,000 |
| Risk-weighted assets | 62,450,000 | 64,504,000 | 63,189,000 | 64,472,000 |