Call reports 2009
FIRST NATIONAL BANK OF BLANCHESTER, THE — 2009
What FIRST NATIONAL BANK OF BLANCHESTER, 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 | 47,581,000 | 48,233,000 | 47,613,000 | 48,856,000 |
| Total loans | 33,364,000 | 34,340,000 | 34,332,000 | 34,278,000 |
| Allowance for loan losses | 152,000 | 152,000 | 152,000 | 152,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,668,000 | 7,951,000 | 7,407,000 | 8,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,521,000 | 40,621,000 | 39,933,000 | 41,641,000 |
| Interest-bearing deposits | 36,877,000 | 36,668,000 | 36,458,000 | 38,023,000 |
| Noninterest-bearing deposits | 3,644,000 | 3,953,000 | 3,475,000 | 3,618,000 |
| Equity capital | 6,628,000 | 6,513,000 | 6,643,000 | 6,529,000 |
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 | 582,000 | 1,173,000 | 1,764,000 | 2,351,000 |
| Interest expense | 94,000 | 181,000 | 266,000 | 346,000 |
| Net interest income | 488,000 | 992,000 | 1,498,000 | 2,005,000 |
| Noninterest income | 97,000 | 196,000 | 296,000 | 403,000 |
| Noninterest expense | 412,000 | 863,000 | 1,264,000 | 1,714,000 |
| Provision for loan losses | 6,000 | 16,000 | 34,000 | 75,000 |
| Pretax income | 167,000 | 309,000 | 496,000 | 619,000 |
| Income tax | 55,000 | 97,000 | 154,000 | 191,000 |
| Net income | 112,000 | 212,000 | 342,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,826,000 | 5,738,000 | 5,895,000 | 5,808,000 |
| Total capital | 5,978,000 | 5,890,000 | 6,047,000 | 5,960,000 |
| Risk-weighted assets | 28,827,000 | 29,800,000 | 29,920,000 | 30,718,000 |