Call reports 2009
FIRST CAHAWBA BANK — 2009
What FIRST CAHAWBA 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 | 52,851,000 | 53,633,000 | 63,141,000 | 67,450,000 |
| Total loans | 32,553,000 | 36,520,000 | 40,514,000 | 43,116,000 |
| Allowance for loan losses | 358,000 | 434,000 | 452,000 | 484,000 |
| Securities available for sale | 12,204,000 | 11,101,000 | 8,335,000 | 10,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,892,000 | 44,240,000 | 53,649,000 | 58,088,000 |
| Interest-bearing deposits | 37,286,000 | 38,716,000 | 48,198,000 | 51,963,000 |
| Noninterest-bearing deposits | 5,606,000 | 5,525,000 | 5,452,000 | 6,124,000 |
| Equity capital | 9,877,000 | 9,358,000 | 9,408,000 | 9,339,000 |
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 | 580,000 | 1,167,000 | 1,813,000 | 2,497,000 |
| Interest expense | 144,000 | 328,000 | 492,000 | 654,000 |
| Net interest income | 436,000 | 839,000 | 1,321,000 | 1,843,000 |
| Noninterest income | 38,000 | -220,000 | -149,000 | -79,000 |
| Noninterest expense | 553,000 | 1,079,000 | 1,645,000 | 2,203,000 |
| Provision for loan losses | 39,000 | 121,000 | 197,000 | 237,000 |
| Pretax income | -104,000 | -567,000 | -627,000 | -556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -104,000 | -567,000 | -627,000 | -556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,805,000 | 9,374,000 | 9,347,000 | 9,450,000 |
| Total capital | 10,163,000 | 9,808,000 | 9,799,000 | 9,934,000 |
| Risk-weighted assets | 37,262,000 | 36,472,000 | 41,286,000 | 43,794,000 |