Call reports 2009
BANK OF MCCRORY — 2009
What BANK OF MCCRORY 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 | 69,609,000 | 67,616,000 | 72,192,000 | 72,405,000 |
| Total loans | 28,651,000 | 31,608,000 | 39,915,000 | 29,649,000 |
| Allowance for loan losses | 397,000 | 277,000 | 279,000 | 262,000 |
| Securities available for sale | 24,555,000 | 22,931,000 | 21,248,000 | 26,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,398,000 | 59,419,000 | 63,618,000 | 64,619,000 |
| Interest-bearing deposits | 48,327,000 | 48,856,000 | 52,998,000 | 50,488,000 |
| Noninterest-bearing deposits | 13,071,000 | 10,563,000 | 10,620,000 | 14,131,000 |
| Equity capital | 7,896,000 | 7,929,000 | 8,201,000 | 7,613,000 |
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 | 805,000 | 1,629,000 | 2,554,000 | 3,547,000 |
| Interest expense | 250,000 | 491,000 | 724,000 | 939,000 |
| Net interest income | 555,000 | 1,138,000 | 1,830,000 | 2,608,000 |
| Noninterest income | 93,000 | 128,000 | 193,000 | 260,000 |
| Noninterest expense | 472,000 | 918,000 | 1,425,000 | 2,076,000 |
| Provision for loan losses | 0 | 80,000 | 100,000 | 125,000 |
| Pretax income | 176,000 | 268,000 | 498,000 | 668,000 |
| Income tax | 19,000 | 8,000 | 38,000 | 93,000 |
| Net income | 157,000 | 260,000 | 460,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,772,000 | 7,875,000 | 8,075,000 | 7,590,000 |
| Total capital | 8,169,000 | 8,152,000 | 8,354,000 | 7,852,000 |
| Risk-weighted assets | 38,547,000 | 39,917,000 | 49,809,000 | 40,034,000 |