Call reports 2009
FIRST NATIONAL BANK OF CRESTVIEW — 2009
What FIRST NATIONAL BANK OF CRESTVIEW 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 | 153,399,000 | 153,531,000 | 155,049,000 | 152,033,000 |
| Total loans | 87,299,000 | 90,069,000 | 87,147,000 | 83,909,000 |
| Allowance for loan losses | 1,727,000 | 2,756,000 | 2,593,000 | 3,206,000 |
| Securities available for sale | 42,388,000 | 40,120,000 | 39,386,000 | 42,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,460,000 | 134,429,000 | 135,635,000 | 135,282,000 |
| Interest-bearing deposits | 108,404,000 | 108,220,000 | 110,552,000 | 108,143,000 |
| Noninterest-bearing deposits | 25,056,000 | 26,209,000 | 25,083,000 | 27,139,000 |
| Equity capital | 18,806,000 | 17,877,000 | 18,157,000 | 15,700,000 |
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 | 1,662,000 | 3,262,000 | 4,835,000 | 6,300,000 |
| Interest expense | 654,000 | 1,211,000 | 1,743,000 | 2,250,000 |
| Net interest income | 1,008,000 | 2,051,000 | 3,092,000 | 4,050,000 |
| Noninterest income | 214,000 | 396,000 | 552,000 | 172,000 |
| Noninterest expense | 1,036,000 | 2,155,000 | 3,252,000 | 4,191,000 |
| Provision for loan losses | 75,000 | 1,131,000 | 1,131,000 | 3,160,000 |
| Pretax income | 111,000 | -839,000 | -729,000 | -3,117,000 |
| Income tax | 17,000 | 34,000 | 52,000 | 48,000 |
| Net income | 94,000 | -873,000 | -781,000 | -3,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,345,000 | 17,377,000 | 17,470,000 | 15,086,000 |
| Total capital | 19,713,000 | 18,738,000 | 18,813,000 | 16,374,000 |
| Risk-weighted assets | 109,084,000 | 107,489,000 | 106,193,000 | 101,110,000 |