Call reports 2009
FIRST NATIONAL BANK OF HICO, THE — 2009
What FIRST NATIONAL BANK OF HICO, 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 | 33,590,000 | 35,269,000 | 34,429,000 | 36,193,000 |
| Total loans | 14,071,000 | 13,816,000 | 13,883,000 | 14,050,000 |
| Allowance for loan losses | 201,000 | 222,000 | 208,000 | 245,000 |
| Securities available for sale | 2,549,000 | 2,799,000 | 3,295,000 | 4,045,000 |
| Securities held to maturity | 12,455,000 | 12,007,000 | 12,192,000 | 11,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,158,000 | 31,700,000 | 30,706,000 | 32,380,000 |
| Interest-bearing deposits | 21,559,000 | 22,385,000 | 21,387,000 | 22,760,000 |
| Noninterest-bearing deposits | 8,599,000 | 9,316,000 | 9,319,000 | 9,621,000 |
| Equity capital | 3,407,000 | 3,516,000 | 3,685,000 | 3,793,000 |
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 | 423,000 | 835,000 | 1,252,000 | 1,664,000 |
| Interest expense | 78,000 | 153,000 | 220,000 | 285,000 |
| Net interest income | 345,000 | 682,000 | 1,032,000 | 1,379,000 |
| Noninterest income | 79,000 | 159,000 | 236,000 | 328,000 |
| Noninterest expense | 283,000 | 584,000 | 864,000 | 1,199,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 50,000 |
| Pretax income | 141,000 | 237,000 | 389,000 | 463,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 237,000 | 389,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,378,000 | 3,474,000 | 3,626,000 | 3,700,000 |
| Total capital | 3,579,000 | 3,696,000 | 3,834,000 | 3,945,000 |
| Risk-weighted assets | 18,601,000 | 18,941,000 | 18,872,000 | 19,604,000 |