Call reports 2009
BANK OF WALKER COUNTY — 2009
What BANK OF WALKER COUNTY 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 | 74,876,000 | 74,030,000 | 75,992,000 | 80,998,000 |
| Total loans | 54,697,000 | 54,776,000 | 54,006,000 | 54,347,000 |
| Allowance for loan losses | 350,000 | 526,000 | 776,000 | 707,000 |
| Securities available for sale | 12,263,000 | 10,852,000 | 11,316,000 | 11,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,575,000 | 56,866,000 | 59,061,000 | 63,980,000 |
| Interest-bearing deposits | 49,558,000 | 48,469,000 | 50,739,000 | 53,298,000 |
| Noninterest-bearing deposits | 8,017,000 | 8,397,000 | 8,322,000 | 10,682,000 |
| Equity capital | 9,030,000 | 8,961,000 | 8,793,000 | 8,902,000 |
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 | 1,067,000 | 2,118,000 | 3,120,000 | 4,157,000 |
| Interest expense | 433,000 | 794,000 | 1,118,000 | 1,448,000 |
| Net interest income | 634,000 | 1,324,000 | 2,002,000 | 2,709,000 |
| Noninterest income | 33,000 | 179,000 | 175,000 | 332,000 |
| Noninterest expense | 573,000 | 1,131,000 | 1,674,000 | 2,310,000 |
| Provision for loan losses | 35,000 | 230,000 | 783,000 | 966,000 |
| Pretax income | 60,000 | 37,000 | -280,000 | -235,000 |
| Income tax | 17,000 | 20,000 | 38,000 | -109,000 |
| Net income | 43,000 | 17,000 | -318,000 | -126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,997,000 | 8,971,000 | 8,638,000 | 8,830,000 |
| Total capital | 9,347,000 | 9,497,000 | 9,297,000 | 9,537,000 |
| Risk-weighted assets | 56,542,000 | 55,610,000 | 52,631,000 | 56,877,000 |