Call reports 2009
BANK OF EDMONSON COUNTY — 2009
What BANK OF EDMONSON COUNTY 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 | 197,375,000 | 196,025,000 | 200,460,000 | 204,222,000 |
| Total loans | 139,585,000 | 139,756,000 | 141,323,000 | 140,649,000 |
| Allowance for loan losses | 2,025,000 | 1,961,000 | 1,783,000 | 1,413,000 |
| Securities available for sale | 33,489,000 | 35,668,000 | 40,594,000 | 44,688,000 |
| Securities held to maturity | 8,246,000 | 6,296,000 | 4,703,000 | 4,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,383,000 | 162,495,000 | 166,817,000 | 171,892,000 |
| Interest-bearing deposits | 148,002,000 | 148,892,000 | 153,752,000 | 157,269,000 |
| Noninterest-bearing deposits | 15,381,000 | 13,603,000 | 13,065,000 | 14,623,000 |
| Equity capital | 20,053,000 | 20,082,000 | 20,746,000 | 20,621,000 |
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 | 2,887,000 | 5,771,000 | 8,574,000 | 11,349,000 |
| Interest expense | 1,352,000 | 2,656,000 | 3,907,000 | 5,093,000 |
| Net interest income | 1,535,000 | 3,115,000 | 4,667,000 | 6,256,000 |
| Noninterest income | 212,000 | 463,000 | 722,000 | 978,000 |
| Noninterest expense | 1,169,000 | 2,504,000 | 3,790,000 | 5,078,000 |
| Provision for loan losses | 958,000 | 958,000 | 958,000 | 1,196,000 |
| Pretax income | -380,000 | 116,000 | 641,000 | 960,000 |
| Income tax | 0 | 0 | -6,000 | -6,000 |
| Net income | -380,000 | 116,000 | 647,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,280,000 | 19,535,000 | 19,826,000 | 19,905,000 |
| Total capital | 20,991,000 | 21,246,000 | 21,526,000 | 21,319,000 |
| Risk-weighted assets | 136,565,000 | 136,465,000 | 135,939,000 | 137,431,000 |