Call reports 2010
FIRST NATIONAL BANK OF NIAGARA, THE — 2010
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 62,803,000 | 64,404,000 | 64,397,000 | 64,628,000 |
| Total loans | 37,396,000 | 36,743,000 | 36,292,000 | 35,388,000 |
| Allowance for loan losses | 565,000 | 585,000 | 636,000 | 656,000 |
| Securities available for sale | 5,114,000 | 6,100,000 | 6,098,000 | 5,960,000 |
| Securities held to maturity | 5,541,000 | 5,541,000 | 6,291,000 | 6,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,735,000 | 55,577,000 | 55,281,000 | 55,660,000 |
| Interest-bearing deposits | 48,385,000 | 49,860,000 | 49,216,000 | 49,824,000 |
| Noninterest-bearing deposits | 5,350,000 | 5,717,000 | 6,065,000 | 5,836,000 |
| Equity capital | 6,563,000 | 6,581,000 | 6,627,000 | 6,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,640,000 | 2,452,000 | 3,259,000 |
| Interest expense | 224,000 | 445,000 | 660,000 | 864,000 |
| Net interest income | 592,000 | 1,195,000 | 1,792,000 | 2,395,000 |
| Noninterest income | 73,000 | 145,000 | 228,000 | 318,000 |
| Noninterest expense | 560,000 | 1,107,000 | 1,633,000 | 2,173,000 |
| Provision for loan losses | 38,000 | 75,000 | 112,000 | 138,000 |
| Pretax income | 67,000 | 158,000 | 283,000 | 420,000 |
| Income tax | 10,000 | 28,000 | 59,000 | 92,000 |
| Net income | 57,000 | 130,000 | 224,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,508,000 | 6,531,000 | 6,574,000 | 6,628,000 |
| Total capital | 6,952,000 | 6,972,000 | 7,021,000 | 7,063,000 |
| Risk-weighted assets | 35,634,000 | 35,556,000 | 35,660,000 | 34,900,000 |
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