Call reports 2009
FIRST BANK OF WHITE — 2009
What FIRST BANK OF WHITE 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 | 56,588,000 | 58,342,000 | 57,357,000 | 57,600,000 |
| Total loans | 46,794,000 | 48,644,000 | 48,809,000 | 49,372,000 |
| Allowance for loan losses | 351,000 | 437,000 | 456,000 | 592,000 |
| Securities available for sale | 6,077,000 | 6,447,000 | 5,823,000 | 5,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,088,000 | 50,204,000 | 49,706,000 | 49,724,000 |
| Interest-bearing deposits | 45,764,000 | 47,205,000 | 46,913,000 | 46,561,000 |
| Noninterest-bearing deposits | 2,324,000 | 2,998,000 | 2,794,000 | 3,163,000 |
| Equity capital | 5,363,000 | 5,273,000 | 5,475,000 | 5,555,000 |
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 | 839,000 | 1,671,000 | 2,517,000 | 3,355,000 |
| Interest expense | 412,000 | 807,000 | 1,186,000 | 1,538,000 |
| Net interest income | 427,000 | 864,000 | 1,331,000 | 1,817,000 |
| Noninterest income | 61,000 | 126,000 | 193,000 | 260,000 |
| Noninterest expense | 279,000 | 596,000 | 889,000 | 1,195,000 |
| Provision for loan losses | 30,000 | 290,000 | 320,000 | 470,000 |
| Pretax income | 179,000 | 104,000 | 347,000 | 444,000 |
| Income tax | 47,000 | -1,000 | 69,000 | 86,000 |
| Net income | 132,000 | 105,000 | 278,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,231,000 | 5,169,000 | 5,342,000 | 5,422,000 |
| Total capital | 5,582,000 | 5,606,000 | 5,798,000 | 6,014,000 |
| Risk-weighted assets | 46,658,000 | 48,476,000 | 47,373,000 | 48,211,000 |