Call reports 2009
FIRST NATIONAL BANK OF ELMER — 2009
What FIRST NATIONAL BANK OF ELMER 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 | 218,965,000 | 221,080,000 | 220,995,000 | 220,996,000 |
| Total loans | 194,312,000 | 192,446,000 | 192,242,000 | 189,724,000 |
| Allowance for loan losses | 2,099,000 | 2,171,000 | 2,091,000 | 2,079,000 |
| Securities available for sale | 3,262,000 | 5,757,000 | 5,697,000 | 3,020,000 |
| Securities held to maturity | 6,699,000 | 4,310,000 | 4,403,000 | 5,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,629,000 | 200,748,000 | 200,340,000 | 200,369,000 |
| Interest-bearing deposits | 185,917,000 | 187,412,000 | 188,225,000 | 188,718,000 |
| Noninterest-bearing deposits | 12,712,000 | 13,336,000 | 12,115,000 | 11,651,000 |
| Equity capital | 18,431,000 | 18,816,000 | 19,319,000 | 19,403,000 |
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 | 3,102,000 | 6,250,000 | 9,438,000 | 12,599,000 |
| Interest expense | 919,000 | 1,786,000 | 2,610,000 | 3,373,000 |
| Net interest income | 2,183,000 | 4,464,000 | 6,828,000 | 9,226,000 |
| Noninterest income | 266,000 | 544,000 | 1,051,000 | 1,292,000 |
| Noninterest expense | 1,689,000 | 3,532,000 | 5,356,000 | 7,528,000 |
| Provision for loan losses | 182,000 | 270,000 | 272,000 | 523,000 |
| Pretax income | 578,000 | 1,206,000 | 2,251,000 | 2,467,000 |
| Income tax | 206,000 | 447,000 | 767,000 | 928,000 |
| Net income | 372,000 | 759,000 | 1,484,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,544,000 | 18,931,000 | 19,306,000 | 19,361,000 |
| Total capital | 20,683,000 | 21,142,000 | 21,437,000 | 21,480,000 |
| Risk-weighted assets | 179,005,000 | 177,295,000 | 178,531,000 | 174,361,000 |