Call reports 2009
FNB COWETA — 2009
What FNB COWETA 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 | 68,053,000 | 68,784,000 | 68,405,000 | 67,633,000 |
| Total loans | 30,646,000 | 30,856,000 | 32,179,000 | 31,987,000 |
| Allowance for loan losses | 314,000 | 313,000 | 290,000 | 325,000 |
| Securities available for sale | 15,364,000 | 14,112,000 | 14,625,000 | 14,080,000 |
| Securities held to maturity | 4,663,000 | 6,324,000 | 6,471,000 | 7,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,631,000 | 63,289,000 | 62,777,000 | 62,288,000 |
| Interest-bearing deposits | 49,782,000 | 49,995,000 | 50,328,000 | 49,970,000 |
| Noninterest-bearing deposits | 12,849,000 | 13,294,000 | 12,449,000 | 12,318,000 |
| Equity capital | 5,264,000 | 5,252,000 | 5,314,000 | 5,261,000 |
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 | 853,000 | 1,700,000 | 2,534,000 | 3,312,000 |
| Interest expense | 222,000 | 437,000 | 621,000 | 795,000 |
| Net interest income | 631,000 | 1,263,000 | 1,913,000 | 2,517,000 |
| Noninterest income | 158,000 | 331,000 | 511,000 | 691,000 |
| Noninterest expense | 698,000 | 1,436,000 | 2,151,000 | 2,797,000 |
| Provision for loan losses | 9,000 | 18,000 | 32,000 | 162,000 |
| Pretax income | 82,000 | 140,000 | 241,000 | 249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 140,000 | 241,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,969,000 | 5,002,000 | 5,078,000 | 5,066,000 |
| Total capital | 5,283,000 | 5,315,000 | 5,368,000 | 5,391,000 |
| Risk-weighted assets | 35,248,000 | 36,104,000 | 36,305,000 | 36,578,000 |