Call reports 2009
FIRST BANK OF BANCROFT — 2009
What FIRST BANK OF BANCROFT 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 | 18,840,000 | 19,633,000 | 19,402,000 | 19,913,000 |
| Total loans | 12,941,000 | 12,596,000 | 12,426,000 | 13,251,000 |
| Allowance for loan losses | 137,000 | 138,000 | 138,000 | 146,000 |
| Securities available for sale | 2,678,000 | 2,018,000 | 2,657,000 | 2,509,000 |
| Securities held to maturity | 66,000 | 66,000 | 66,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,611,000 | 16,389,000 | 16,029,000 | 15,447,000 |
| Interest-bearing deposits | 13,150,000 | 13,079,000 | 13,289,000 | 12,499,000 |
| Noninterest-bearing deposits | 2,461,000 | 3,310,000 | 2,740,000 | 2,948,000 |
| Equity capital | 3,038,000 | 3,073,000 | 3,170,000 | 3,071,000 |
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 | 238,000 | 472,000 | 709,000 | 945,000 |
| Interest expense | 58,000 | 111,000 | 159,000 | 203,000 |
| Net interest income | 180,000 | 361,000 | 550,000 | 742,000 |
| Noninterest income | 11,000 | 24,000 | 41,000 | 57,000 |
| Noninterest expense | 128,000 | 253,000 | 400,000 | 569,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 63,000 | 132,000 | 191,000 | 220,000 |
| Income tax | 15,000 | 31,000 | 48,000 | 55,000 |
| Net income | 48,000 | 101,000 | 143,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,014,000 | 3,068,000 | 3,109,000 | 3,032,000 |
| Total capital | 3,151,000 | 3,206,000 | 3,247,000 | 3,178,000 |
| Risk-weighted assets | 12,805,000 | 13,459,000 | 13,260,000 | 14,309,000 |