Call reports 2009
DRUMMOND COMMUNITY BANK — 2009
What DRUMMOND COMMUNITY 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 | 185,047,000 | 178,133,000 | 184,836,000 | 174,266,000 |
| Total loans | 101,959,000 | 101,207,000 | 104,387,000 | 101,224,000 |
| Allowance for loan losses | 1,648,000 | 1,819,000 | 1,856,000 | 1,978,000 |
| Securities available for sale | 62,159,000 | 58,885,000 | 61,363,000 | 58,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,481,000 | 142,308,000 | 127,201,000 | 134,517,000 |
| Interest-bearing deposits | 112,136,000 | 108,245,000 | 93,112,000 | 95,963,000 |
| Noninterest-bearing deposits | 35,346,000 | 34,063,000 | 34,089,000 | 38,555,000 |
| Equity capital | 27,084,000 | 26,420,000 | 29,675,000 | 29,355,000 |
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 | 3,059,000 | 5,938,000 | 8,904,000 | 11,782,000 |
| Interest expense | 465,000 | 831,000 | 1,161,000 | 1,432,000 |
| Net interest income | 2,594,000 | 5,107,000 | 7,743,000 | 10,350,000 |
| Noninterest income | 384,000 | 759,000 | 977,000 | 1,316,000 |
| Noninterest expense | 1,575,000 | 3,185,000 | 4,832,000 | 6,641,000 |
| Provision for loan losses | 180,000 | 370,000 | 580,000 | 825,000 |
| Pretax income | 1,223,000 | 2,311,000 | 3,308,000 | 4,200,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,223,000 | 2,311,000 | 3,308,000 | 4,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,740,000 | 27,316,000 | 28,065,000 | 28,522,000 |
| Total capital | 28,150,000 | 28,701,000 | 29,485,000 | 29,887,000 |
| Risk-weighted assets | 112,517,000 | 110,392,000 | 113,166,000 | 108,598,000 |