Call reports 2009
LOUISA COMMUNITY BANK — 2009
What LOUISA 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 | 20,547,000 | 21,736,000 | 22,393,000 | 24,347,000 |
| Total loans | 14,644,000 | 14,895,000 | 16,468,000 | 17,011,000 |
| Allowance for loan losses | 221,000 | 238,000 | 209,000 | 254,000 |
| Securities available for sale | 2,028,000 | 1,837,000 | 1,705,000 | 3,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,500,000 | 16,815,000 | 17,363,000 | 16,600,000 |
| Interest-bearing deposits | 13,753,000 | 14,635,000 | 15,426,000 | 15,131,000 |
| Noninterest-bearing deposits | 1,747,000 | 2,180,000 | 1,937,000 | 1,469,000 |
| Equity capital | 4,365,000 | 4,308,000 | 4,222,000 | 4,093,000 |
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 | 278,000 | 568,000 | 856,000 | 1,170,000 |
| Interest expense | 99,000 | 199,000 | 305,000 | 404,000 |
| Net interest income | 179,000 | 369,000 | 551,000 | 766,000 |
| Noninterest income | 36,000 | 86,000 | 141,000 | 190,000 |
| Noninterest expense | 245,000 | 506,000 | 802,000 | 1,146,000 |
| Provision for loan losses | 7,000 | 29,000 | 78,000 | 123,000 |
| Pretax income | -37,000 | -80,000 | -188,000 | -313,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -37,000 | -80,000 | -188,000 | -313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,292,000 | 4,250,000 | 4,143,000 | 4,016,000 |
| Total capital | 4,475,000 | 4,420,000 | 4,352,000 | 4,232,000 |
| Risk-weighted assets | 14,676,000 | 14,611,000 | 16,805,000 | 17,258,000 |