Call reports 2009
BANK OF GASSAWAY — 2009
What BANK OF GASSAWAY 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 | 166,298,000 | 161,985,000 | 162,867,000 | 165,992,000 |
| Total loans | 84,319,000 | 85,709,000 | 87,523,000 | 88,000,000 |
| Allowance for loan losses | 1,445,000 | 1,411,000 | 1,344,000 | 1,276,000 |
| Securities available for sale | 58,622,000 | 60,861,000 | 59,295,000 | 47,884,000 |
| Securities held to maturity | 145,000 | 145,000 | 145,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,023,000 | 140,358,000 | 140,978,000 | 144,296,000 |
| Interest-bearing deposits | 105,500,000 | 106,801,000 | 107,711,000 | 105,601,000 |
| Noninterest-bearing deposits | 39,523,000 | 33,557,000 | 33,267,000 | 38,695,000 |
| Equity capital | 20,582,000 | 20,583,000 | 20,894,000 | 20,855,000 |
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 | 2,014,000 | 4,032,000 | 6,036,000 | 8,064,000 |
| Interest expense | 525,000 | 1,023,000 | 1,498,000 | 1,951,000 |
| Net interest income | 1,489,000 | 3,009,000 | 4,538,000 | 6,113,000 |
| Noninterest income | 212,000 | 464,000 | 584,000 | 840,000 |
| Noninterest expense | 1,355,000 | 2,838,000 | 4,216,000 | 5,715,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 80,000 |
| Pretax income | 346,000 | 615,000 | 856,000 | 1,157,000 |
| Income tax | 119,000 | 199,000 | 255,000 | 384,000 |
| Net income | 227,000 | 416,000 | 601,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,567,000 | 20,631,000 | 20,665,000 | 20,837,000 |
| Total capital | 21,630,000 | 21,699,000 | 21,742,000 | 21,927,000 |
| Risk-weighted assets | 84,679,000 | 85,063,000 | 85,895,000 | 86,998,000 |