Call reports 2009
FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, THE — 2009
What FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, 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 | 50,531,000 | 51,817,000 | 51,489,000 | 51,885,000 |
| Total loans | 34,854,000 | 35,064,000 | 35,127,000 | 35,868,000 |
| Allowance for loan losses | 429,000 | 433,000 | 449,000 | 458,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,184,000 | 12,720,000 | 13,484,000 | 13,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,487,000 | 43,675,000 | 43,093,000 | 43,521,000 |
| Interest-bearing deposits | 36,536,000 | 37,663,000 | 37,376,000 | 37,489,000 |
| Noninterest-bearing deposits | 5,951,000 | 6,012,000 | 5,717,000 | 6,032,000 |
| Equity capital | 7,792,000 | 7,969,000 | 8,127,000 | 8,199,000 |
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 | 785,000 | 1,579,000 | 2,377,000 | 3,161,000 |
| Interest expense | 228,000 | 443,000 | 659,000 | 863,000 |
| Net interest income | 557,000 | 1,136,000 | 1,718,000 | 2,298,000 |
| Noninterest income | 16,000 | 34,000 | 51,000 | 69,000 |
| Noninterest expense | 345,000 | 659,000 | 995,000 | 1,472,000 |
| Provision for loan losses | 7,000 | 21,000 | 44,000 | 57,000 |
| Pretax income | 221,000 | 490,000 | 730,000 | 838,000 |
| Income tax | 75,000 | 167,000 | 248,000 | 285,000 |
| Net income | 146,000 | 323,000 | 482,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,792,000 | 7,969,000 | 8,127,000 | 8,199,000 |
| Total capital | 8,137,000 | 8,313,000 | 8,467,000 | 8,547,000 |
| Risk-weighted assets | 27,483,000 | 27,470,000 | 27,051,000 | 27,763,000 |