Call reports 2009
FIRST NATIONAL BANK — 2009
What FIRST NATIONAL 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 | 221,879,000 | 219,006,000 | 219,647,000 | 231,948,000 |
| Total loans | 173,469,000 | 178,211,000 | 180,418,000 | 176,851,000 |
| Allowance for loan losses | 2,663,000 | 2,707,000 | 2,863,000 | 3,126,000 |
| Securities available for sale | 5,699,000 | 4,973,000 | 4,742,000 | 4,651,000 |
| Securities held to maturity | 235,000 | 235,000 | 233,000 | 233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,750,000 | 196,497,000 | 197,135,000 | 209,457,000 |
| Interest-bearing deposits | 168,404,000 | 165,125,000 | 164,168,000 | 175,238,000 |
| Noninterest-bearing deposits | 31,346,000 | 31,372,000 | 32,967,000 | 34,219,000 |
| Equity capital | 20,612,000 | 20,965,000 | 21,005,000 | 21,267,000 |
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 | 2,981,000 | 5,824,000 | 8,695,000 | 11,533,000 |
| Interest expense | 896,000 | 1,704,000 | 2,472,000 | 3,235,000 |
| Net interest income | 2,085,000 | 4,120,000 | 6,223,000 | 8,298,000 |
| Noninterest income | 445,000 | 858,000 | 1,361,000 | 1,883,000 |
| Noninterest expense | 1,851,000 | 3,612,000 | 5,482,000 | 7,157,000 |
| Provision for loan losses | 182,000 | 322,000 | 542,000 | 1,031,000 |
| Pretax income | 497,000 | 1,041,000 | 1,559,000 | 1,992,000 |
| Income tax | 142,000 | 310,000 | 458,000 | 612,000 |
| Net income | 355,000 | 731,000 | 1,101,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,488,000 | 20,863,000 | 20,883,000 | 21,160,000 |
| Total capital | 22,375,000 | 22,812,000 | 22,871,000 | 23,114,000 |
| Risk-weighted assets | 150,211,000 | 155,108,000 | 158,202,000 | 155,112,000 |