Call reports 2009
MAROA FORSYTH COMMUNITY BANK — 2009
What MAROA FORSYTH COMMUNITY 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 | 19,422,000 | 19,882,000 | 22,990,000 | 21,169,000 |
| Total loans | 8,814,000 | 8,703,000 | 8,608,000 | 9,342,000 |
| Allowance for loan losses | 74,000 | 66,000 | 62,000 | 91,000 |
| Securities available for sale | 9,143,000 | 8,322,000 | 8,138,000 | 9,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,223,000 | 16,947,000 | 19,953,000 | 18,210,000 |
| Interest-bearing deposits | 13,308,000 | 14,104,000 | 17,332,000 | 15,845,000 |
| Noninterest-bearing deposits | 2,915,000 | 2,843,000 | 2,621,000 | 2,365,000 |
| Equity capital | 3,096,000 | 2,849,000 | 2,954,000 | 2,892,000 |
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 | 267,000 | 522,000 | 773,000 | 1,016,000 |
| Interest expense | 49,000 | 89,000 | 128,000 | 170,000 |
| Net interest income | 218,000 | 433,000 | 645,000 | 846,000 |
| Noninterest income | 82,000 | 181,000 | 251,000 | 314,000 |
| Noninterest expense | 208,000 | 395,000 | 604,000 | 816,000 |
| Provision for loan losses | 0 | 72,000 | 72,000 | 102,000 |
| Pretax income | 107,000 | 162,000 | 241,000 | 248,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 105,000 | 160,000 | 239,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,672,000 | 2,495,000 | 2,519,000 | 2,501,000 |
| Total capital | 2,746,000 | 2,561,000 | 2,581,000 | 2,592,000 |
| Risk-weighted assets | 10,546,000 | 12,234,000 | 11,399,000 | 11,659,000 |