Call reports 2009
BARTOW COUNTY BANK — 2009
What BARTOW COUNTY 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 | 445,194,000 | 434,629,000 | 433,195,000 | 427,268,000 |
| Total loans | 313,181,000 | 309,300,000 | 298,140,000 | 289,353,000 |
| Allowance for loan losses | 3,916,000 | 6,834,000 | 6,664,000 | 7,948,000 |
| Securities available for sale | 41,816,000 | 38,732,000 | 27,008,000 | 16,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,409,000 | 369,003,000 | 372,876,000 | 371,925,000 |
| Interest-bearing deposits | 355,068,000 | 342,657,000 | 326,664,000 | 329,925,000 |
| Noninterest-bearing deposits | 22,341,000 | 26,346,000 | 46,212,000 | 42,000,000 |
| Equity capital | 29,810,000 | 27,189,000 | 26,185,000 | 21,404,000 |
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 | 4,972,000 | 9,518,000 | 14,195,000 | 18,657,000 |
| Interest expense | 2,716,000 | 5,556,000 | 8,292,000 | 10,967,000 |
| Net interest income | 2,256,000 | 3,962,000 | 5,903,000 | 7,690,000 |
| Noninterest income | 440,000 | -1,315,000 | -711,000 | -163,000 |
| Noninterest expense | 2,508,000 | 5,428,000 | 8,000,000 | 11,067,000 |
| Provision for loan losses | 611,000 | 4,437,000 | 8,205,000 | 15,062,000 |
| Pretax income | -259,000 | -6,860,000 | -10,526,000 | -17,659,000 |
| Income tax | -104,000 | -1,870,000 | -3,301,000 | -5,995,000 |
| Net income | -155,000 | -4,990,000 | -7,225,000 | -11,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,219,000 | 27,084,000 | 25,749,000 | 20,287,000 |
| Total capital | 33,135,000 | 30,933,000 | 29,461,000 | 23,882,000 |
| Risk-weighted assets | 315,922,000 | 304,641,000 | 294,080,000 | 283,248,000 |