Call reports 2009
CALHOUN COUNTY BANK, INC. — 2009
What CALHOUN COUNTY BANK, INC. 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 | 99,986,000 | 101,727,000 | 104,713,000 | 105,802,000 |
| Total loans | 80,281,000 | 84,661,000 | 86,647,000 | 89,207,000 |
| Allowance for loan losses | 1,025,000 | 1,002,000 | 967,000 | 1,093,000 |
| Securities available for sale | 4,708,000 | 4,578,000 | 4,583,000 | 5,049,000 |
| Securities held to maturity | 597,000 | 497,000 | 493,000 | 493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,418,000 | 89,338,000 | 90,140,000 | 91,351,000 |
| Interest-bearing deposits | 67,617,000 | 68,819,000 | 70,276,000 | 71,332,000 |
| Noninterest-bearing deposits | 21,801,000 | 20,519,000 | 19,864,000 | 20,019,000 |
| Equity capital | 9,390,000 | 9,451,000 | 9,631,000 | 9,623,000 |
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 | 1,442,000 | 2,951,000 | 4,526,000 | 6,156,000 |
| Interest expense | 363,000 | 725,000 | 1,074,000 | 1,433,000 |
| Net interest income | 1,079,000 | 2,226,000 | 3,452,000 | 4,723,000 |
| Noninterest income | 209,000 | 452,000 | 724,000 | 981,000 |
| Noninterest expense | 941,000 | 2,057,000 | 3,166,000 | 4,467,000 |
| Provision for loan losses | 15,000 | 35,000 | 85,000 | 215,000 |
| Pretax income | 332,000 | 586,000 | 925,000 | 1,022,000 |
| Income tax | 111,000 | 196,000 | 310,000 | 308,000 |
| Net income | 221,000 | 390,000 | 615,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,587,000 | 9,642,000 | 9,817,000 | 9,935,000 |
| Total capital | 10,423,000 | 10,524,000 | 10,748,000 | 10,861,000 |
| Risk-weighted assets | 66,931,000 | 70,431,000 | 74,466,000 | 73,880,000 |