Call reports 2009
BANK OF NEW CAMBRIA — 2009
What BANK OF NEW CAMBRIA 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 | 29,661,000 | 28,473,000 | 28,027,000 | 28,928,000 |
| Total loans | 17,776,000 | 17,993,000 | 17,958,000 | 17,814,000 |
| Allowance for loan losses | 234,000 | 263,000 | 284,000 | 319,000 |
| Securities available for sale | 7,087,000 | 6,778,000 | 6,022,000 | 5,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,319,000 | 25,109,000 | 24,615,000 | 25,660,000 |
| Interest-bearing deposits | 23,865,000 | 22,906,000 | 22,329,000 | 23,264,000 |
| Noninterest-bearing deposits | 2,454,000 | 2,203,000 | 2,286,000 | 2,396,000 |
| Equity capital | 3,186,000 | 3,213,000 | 3,238,000 | 3,159,000 |
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 | 390,000 | 785,000 | 1,160,000 | 1,526,000 |
| Interest expense | 129,000 | 248,000 | 360,000 | 464,000 |
| Net interest income | 261,000 | 537,000 | 800,000 | 1,062,000 |
| Noninterest income | 33,000 | 58,000 | 85,000 | 109,000 |
| Noninterest expense | 257,000 | 508,000 | 760,000 | 1,018,000 |
| Provision for loan losses | 6,000 | 12,000 | 54,000 | 86,000 |
| Pretax income | 31,000 | 77,000 | 73,000 | 69,000 |
| Income tax | 0 | 6,000 | 1,000 | -1,000 |
| Net income | 31,000 | 71,000 | 72,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,099,000 | 3,139,000 | 3,140,000 | 3,096,000 |
| Total capital | 3,333,000 | 3,402,000 | 3,396,000 | 3,353,000 |
| Risk-weighted assets | 21,631,000 | 22,342,000 | 21,487,000 | 20,473,000 |