Call reports 2009
FIRST CREDIT BANK — 2009
What FIRST CREDIT 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 | 486,149,000 | 492,035,000 | 502,378,000 | 493,871,000 |
| Total loans | 420,570,000 | 427,021,000 | 438,609,000 | 423,128,000 |
| Allowance for loan losses | 12,204,000 | 14,204,000 | 18,204,000 | 19,337,000 |
| Securities available for sale | 15,288,000 | 18,732,000 | 21,302,000 | 18,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,609,000 | 386,427,000 | 393,050,000 | 387,623,000 |
| Interest-bearing deposits | 371,463,000 | 373,064,000 | 382,993,000 | 375,097,000 |
| Noninterest-bearing deposits | 13,146,000 | 13,363,000 | 10,057,000 | 12,526,000 |
| Equity capital | 96,004,000 | 99,240,000 | 101,497,000 | 102,203,000 |
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 | 11,228,000 | 23,241,000 | 34,549,000 | 46,416,000 |
| Interest expense | 3,316,000 | 6,187,000 | 8,730,000 | 10,848,000 |
| Net interest income | 7,912,000 | 17,054,000 | 25,819,000 | 35,568,000 |
| Noninterest income | 144,000 | 193,000 | 243,000 | 6,854,000 |
| Noninterest expense | 590,000 | 1,417,000 | 2,200,000 | 3,652,000 |
| Provision for loan losses | 3,000,000 | 5,000,000 | 9,000,000 | 15,000,000 |
| Pretax income | 4,466,000 | 10,334,000 | 14,572,000 | 23,782,000 |
| Income tax | 267,000 | 591,000 | 941,000 | 1,621,000 |
| Net income | 4,199,000 | 9,743,000 | 13,631,000 | 22,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,798,000 | 99,260,000 | 100,755,000 | 101,354,000 |
| Total capital | 102,455,000 | 105,030,000 | 106,764,000 | 107,166,000 |
| Risk-weighted assets | 445,809,000 | 452,988,000 | 468,350,000 | 451,211,000 |
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