Call reports 2012
FIRST NATIONAL BANK OF NIAGARA, THE — 2012
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,715,000 | 69,932,000 | 68,332,000 | 70,111,000 |
| Total loans | 34,224,000 | 34,475,000 | 34,972,000 | 34,243,000 |
| Allowance for loan losses | 574,000 | 563,000 | 560,000 | 553,000 |
| Securities available for sale | 11,174,000 | 11,094,000 | 10,137,000 | 10,115,000 |
| Securities held to maturity | 8,619,000 | 10,103,000 | 10,338,000 | 10,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,645,000 | 60,734,000 | 59,068,000 | 60,845,000 |
| Interest-bearing deposits | 52,172,000 | 52,356,000 | 51,348,000 | 51,793,000 |
| Noninterest-bearing deposits | 7,473,000 | 8,378,000 | 7,720,000 | 9,052,000 |
| Equity capital | 6,932,000 | 7,010,000 | 7,056,000 | 7,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,473,000 | 2,203,000 | 2,936,000 |
| Interest expense | 171,000 | 344,000 | 515,000 | 682,000 |
| Net interest income | 559,000 | 1,129,000 | 1,688,000 | 2,254,000 |
| Noninterest income | 87,000 | 186,000 | 277,000 | 360,000 |
| Noninterest expense | 574,000 | 1,146,000 | 1,727,000 | 2,289,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 169,000 | 238,000 | 325,000 |
| Income tax | -22,000 | -11,000 | -12,000 | -6,000 |
| Net income | 94,000 | 180,000 | 250,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,828,000 | 6,864,000 | 6,884,000 | 6,915,000 |
| Total capital | 7,272,000 | 7,306,000 | 7,337,000 | 7,363,000 |
| Risk-weighted assets | 35,402,000 | 36,021,000 | 36,109,000 | 36,600,000 |
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