Call reports 2009
FIRST NATIONAL BANK OF MCHENRY, THE — 2009
What FIRST NATIONAL BANK OF MCHENRY, 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 | 133,191,000 | 136,564,000 | 141,423,000 | 141,700,000 |
| Total loans | 81,019,000 | 79,432,000 | 79,484,000 | 75,898,000 |
| Allowance for loan losses | 805,000 | 1,672,000 | 1,217,000 | 1,123,000 |
| Securities available for sale | 39,260,000 | 43,865,000 | 46,788,000 | 54,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,759,000 | 118,993,000 | 122,987,000 | 124,368,000 |
| Interest-bearing deposits | 87,676,000 | 87,228,000 | 89,481,000 | 91,425,000 |
| Noninterest-bearing deposits | 28,083,000 | 31,764,000 | 33,506,000 | 32,943,000 |
| Equity capital | 13,248,000 | 13,330,000 | 14,000,000 | 13,376,000 |
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 | 1,674,000 | 3,349,000 | 5,026,000 | 6,660,000 |
| Interest expense | 458,000 | 928,000 | 1,368,000 | 1,748,000 |
| Net interest income | 1,216,000 | 2,421,000 | 3,658,000 | 4,912,000 |
| Noninterest income | 151,000 | 291,000 | 466,000 | 687,000 |
| Noninterest expense | 1,139,000 | 2,333,000 | 3,514,000 | 4,715,000 |
| Provision for loan losses | 90,000 | 1,088,000 | 1,178,000 | 2,582,000 |
| Pretax income | 139,000 | -675,000 | -488,000 | -1,780,000 |
| Income tax | 37,000 | -209,000 | -175,000 | -789,000 |
| Net income | 102,000 | -466,000 | -313,000 | -991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,768,000 | 13,200,000 | 13,353,000 | 12,674,000 |
| Total capital | 14,573,000 | 14,278,000 | 14,420,000 | 13,716,000 |
| Risk-weighted assets | 86,213,000 | 86,266,000 | 85,927,000 | 83,334,000 |