Call reports 2009
BANK-OLDHAM COUNTY, INC, THE — 2009
What BANK-OLDHAM COUNTY, INC, THE 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 | 137,356,000 | 132,230,000 | 127,617,000 | 138,278,000 |
| Total loans | 68,754,000 | 65,949,000 | 64,792,000 | 64,755,000 |
| Allowance for loan losses | 1,185,000 | 1,217,000 | 1,286,000 | 1,299,000 |
| Securities available for sale | 52,642,000 | 51,150,000 | 52,413,000 | 53,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,159,000 | 111,011,000 | 106,660,000 | 116,921,000 |
| Interest-bearing deposits | 90,444,000 | 87,039,000 | 83,659,000 | 93,528,000 |
| Noninterest-bearing deposits | 23,715,000 | 23,972,000 | 23,001,000 | 23,393,000 |
| Equity capital | 14,860,000 | 14,757,000 | 15,431,000 | 15,404,000 |
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 | 1,572,000 | 3,105,000 | 4,586,000 | 6,015,000 |
| Interest expense | 270,000 | 506,000 | 697,000 | 872,000 |
| Net interest income | 1,302,000 | 2,599,000 | 3,889,000 | 5,143,000 |
| Noninterest income | 317,000 | 677,000 | 1,034,000 | 1,407,000 |
| Noninterest expense | 1,246,000 | 2,499,000 | 3,800,000 | 5,051,000 |
| Provision for loan losses | 0 | 30,000 | 100,000 | 335,000 |
| Pretax income | 383,000 | 758,000 | 1,034,000 | 1,176,000 |
| Income tax | 96,000 | 177,000 | 243,000 | 265,000 |
| Net income | 287,000 | 581,000 | 791,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,364,000 | 14,483,000 | 14,693,000 | 14,813,000 |
| Total capital | 15,419,000 | 15,493,000 | 15,659,000 | 15,824,000 |
| Risk-weighted assets | 84,261,000 | 80,590,000 | 76,926,000 | 80,553,000 |