Call reports 2009
BANK OF FINCASTLE, THE — 2009
What BANK OF FINCASTLE, 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 | 173,632,000 | 179,530,000 | 179,291,000 | 170,199,000 |
| Total loans | 137,157,000 | 138,629,000 | 136,652,000 | 137,748,000 |
| Allowance for loan losses | 1,413,000 | 1,429,000 | 1,408,000 | 1,400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,547,000 | 16,533,000 | 21,082,000 | 6,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,581,000 | 154,685,000 | 153,965,000 | 145,586,000 |
| Interest-bearing deposits | 109,847,000 | 117,288,000 | 114,812,000 | 108,381,000 |
| Noninterest-bearing deposits | 38,734,000 | 37,397,000 | 39,153,000 | 37,205,000 |
| Equity capital | 24,151,000 | 24,253,000 | 24,681,000 | 23,995,000 |
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 | 2,011,000 | 4,038,000 | 6,039,000 | 8,047,000 |
| Interest expense | 469,000 | 954,000 | 1,421,000 | 1,826,000 |
| Net interest income | 1,542,000 | 3,084,000 | 4,618,000 | 6,221,000 |
| Noninterest income | 271,000 | 560,000 | 864,000 | 1,246,000 |
| Noninterest expense | 1,210,000 | 2,486,000 | 3,771,000 | 5,353,000 |
| Provision for loan losses | 30,000 | 87,000 | 87,000 | 95,000 |
| Pretax income | 573,000 | 1,071,000 | 1,624,000 | 2,019,000 |
| Income tax | 150,000 | 283,000 | 407,000 | 561,000 |
| Net income | 423,000 | 788,000 | 1,217,000 | 1,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,151,000 | 24,253,000 | 24,681,000 | 23,995,000 |
| Total capital | 25,564,000 | 25,682,000 | 26,089,000 | 25,395,000 |
| Risk-weighted assets | 160,367,000 | 161,488,000 | 157,671,000 | 159,608,000 |