Call reports 2009
FIRST NATIONAL BANK OF LACON — 2009
What FIRST NATIONAL BANK OF LACON 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 | 52,540,000 | 59,068,000 | 54,244,000 | 51,529,000 |
| Total loans | 37,246,000 | 37,183,000 | 37,719,000 | 38,303,000 |
| Allowance for loan losses | 477,000 | 485,000 | 415,000 | 350,000 |
| Securities available for sale | 10,158,000 | 10,636,000 | 10,741,000 | 9,695,000 |
| Securities held to maturity | 19,000 | 17,000 | 14,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,285,000 | 52,875,000 | 48,642,000 | 45,648,000 |
| Interest-bearing deposits | 38,645,000 | 45,814,000 | 40,395,000 | 38,462,000 |
| Noninterest-bearing deposits | 7,640,000 | 7,061,000 | 8,247,000 | 7,186,000 |
| Equity capital | 4,894,000 | 4,798,000 | 4,917,000 | 4,833,000 |
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 | 695,000 | 1,372,000 | 2,045,000 | 2,723,000 |
| Interest expense | 207,000 | 404,000 | 584,000 | 736,000 |
| Net interest income | 488,000 | 968,000 | 1,461,000 | 1,987,000 |
| Noninterest income | 26,000 | 63,000 | 102,000 | 151,000 |
| Noninterest expense | 343,000 | 764,000 | 1,138,000 | 1,581,000 |
| Provision for loan losses | 30,000 | 50,000 | 105,000 | 215,000 |
| Pretax income | 143,000 | 221,000 | 324,000 | 346,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 221,000 | 324,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,769,000 | 4,738,000 | 4,741,000 | 4,692,000 |
| Total capital | 5,246,000 | 5,223,000 | 5,156,000 | 5,042,000 |
| Risk-weighted assets | 38,452,000 | 39,501,000 | 39,284,000 | 39,355,000 |