Call reports 2009
STONE COUNTY NATIONAL BANK — 2009
What STONE COUNTY NATIONAL BANK 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 | 91,788,000 | 91,131,000 | 86,625,000 | 84,976,000 |
| Total loans | 50,537,000 | 50,665,000 | 48,919,000 | 48,382,000 |
| Allowance for loan losses | 912,000 | 1,324,000 | 1,264,000 | 1,095,000 |
| Securities available for sale | 32,290,000 | 30,128,000 | 28,096,000 | 26,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,884,000 | 82,687,000 | 76,725,000 | 75,359,000 |
| Interest-bearing deposits | 70,993,000 | 70,002,000 | 63,665,000 | 62,308,000 |
| Noninterest-bearing deposits | 11,891,000 | 12,685,000 | 13,061,000 | 13,051,000 |
| Equity capital | 8,369,000 | 8,119,000 | 9,594,000 | 9,476,000 |
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 | 1,234,000 | 2,452,000 | 3,617,000 | 4,694,000 |
| Interest expense | 436,000 | 800,000 | 1,115,000 | 1,372,000 |
| Net interest income | 798,000 | 1,652,000 | 2,502,000 | 3,322,000 |
| Noninterest income | 111,000 | 232,000 | 364,000 | 498,000 |
| Noninterest expense | 650,000 | 1,354,000 | 2,241,000 | 3,182,000 |
| Provision for loan losses | 85,000 | 712,000 | 960,000 | 990,000 |
| Pretax income | 174,000 | -169,000 | -322,000 | -265,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | -169,000 | -322,000 | -265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,158,000 | 8,813,000 | 9,361,000 | 9,420,000 |
| Total capital | 9,933,000 | 9,364,000 | 9,957,000 | 10,144,000 |
| Risk-weighted assets | 61,093,000 | 60,310,000 | 57,895,000 | 57,545,000 |