Call reports 2011
FIRST NATIONAL BANK OF NIAGARA, THE — 2011
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 63,633,000 | 64,797,000 | 66,786,000 | 66,142,000 |
| Total loans | 34,872,000 | 33,720,000 | 34,412,000 | 34,672,000 |
| Allowance for loan losses | 690,000 | 702,000 | 545,000 | 549,000 |
| Securities available for sale | 7,470,000 | 8,642,000 | 10,203,000 | 10,204,000 |
| Securities held to maturity | 7,046,000 | 7,810,000 | 8,540,000 | 8,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,630,000 | 55,545,000 | 57,632,000 | 57,022,000 |
| Interest-bearing deposits | 49,293,000 | 49,717,000 | 50,512,000 | 49,686,000 |
| Noninterest-bearing deposits | 5,337,000 | 5,828,000 | 7,120,000 | 7,336,000 |
| Equity capital | 6,633,000 | 6,770,000 | 6,846,000 | 6,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,555,000 | 2,322,000 | 3,093,000 |
| Interest expense | 189,000 | 372,000 | 551,000 | 726,000 |
| Net interest income | 580,000 | 1,183,000 | 1,771,000 | 2,367,000 |
| Noninterest income | 67,000 | 170,000 | 253,000 | 329,000 |
| Noninterest expense | 554,000 | 1,105,000 | 1,639,000 | 2,176,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 89,000 | 188,000 | 295,000 | 431,000 |
| Income tax | 14,000 | 31,000 | 48,000 | 75,000 |
| Net income | 75,000 | 157,000 | 247,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,653,000 | 6,686,000 | 6,725,000 | 6,785,000 |
| Total capital | 7,079,000 | 7,097,000 | 7,157,000 | 7,217,000 |
| Risk-weighted assets | 34,081,000 | 33,630,000 | 34,733,000 | 34,849,000 |
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