Call reports 2009
FIRST NATIONAL BANK OF VOLGA, THE — 2009
What FIRST NATIONAL BANK OF VOLGA, 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 | 36,049,000 | 37,209,000 | 37,520,000 | 38,798,000 |
| Total loans | 28,783,000 | 29,630,000 | 30,147,000 | 28,569,000 |
| Allowance for loan losses | 313,000 | 472,000 | 475,000 | 471,000 |
| Securities available for sale | 4,615,000 | 4,449,000 | 3,970,000 | 3,962,000 |
| Securities held to maturity | 49,000 | 46,000 | 44,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,939,000 | 33,219,000 | 33,375,000 | 34,726,000 |
| Interest-bearing deposits | 27,005,000 | 28,244,000 | 28,295,000 | 29,503,000 |
| Noninterest-bearing deposits | 4,934,000 | 4,975,000 | 5,080,000 | 5,223,000 |
| Equity capital | 3,933,000 | 3,807,000 | 3,978,000 | 3,904,000 |
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 | 564,000 | 1,135,000 | 1,701,000 | 2,248,000 |
| Interest expense | 183,000 | 359,000 | 537,000 | 712,000 |
| Net interest income | 381,000 | 776,000 | 1,164,000 | 1,536,000 |
| Noninterest income | 45,000 | 96,000 | 147,000 | 203,000 |
| Noninterest expense | 279,000 | 589,000 | 879,000 | 1,232,000 |
| Provision for loan losses | 3,000 | 159,000 | 167,000 | 174,000 |
| Pretax income | 144,000 | 124,000 | 265,000 | 333,000 |
| Income tax | 5,000 | 11,000 | 9,000 | 29,000 |
| Net income | 139,000 | 113,000 | 256,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,833,000 | 3,710,000 | 3,853,000 | 3,804,000 |
| Total capital | 4,146,000 | 4,068,000 | 4,219,000 | 4,157,000 |
| Risk-weighted assets | 27,784,000 | 28,560,000 | 29,185,000 | 28,158,000 |
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