Call reports 2013
FIRST NATIONAL BANK OF NIAGARA, THE — 2013
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,925,000 | 68,258,000 | 70,555,000 | 74,110,000 |
| Total loans | 33,550,000 | 32,825,000 | 32,174,000 | 32,045,000 |
| Allowance for loan losses | 541,000 | 471,000 | 440,000 | 410,000 |
| Securities available for sale | 9,585,000 | 8,923,000 | 9,445,000 | 11,151,000 |
| Securities held to maturity | 10,660,000 | 11,309,000 | 12,010,000 | 11,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,759,000 | 59,146,000 | 61,354,000 | 64,990,000 |
| Interest-bearing deposits | 53,042,000 | 51,777,000 | 51,265,000 | 52,901,000 |
| Noninterest-bearing deposits | 8,717,000 | 7,369,000 | 10,089,000 | 12,089,000 |
| Equity capital | 7,048,000 | 6,977,000 | 7,023,000 | 6,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,386,000 | 2,095,000 | 2,755,000 |
| Interest expense | 154,000 | 308,000 | 454,000 | 594,000 |
| Net interest income | 540,000 | 1,078,000 | 1,641,000 | 2,161,000 |
| Noninterest income | 79,000 | 184,000 | 278,000 | 356,000 |
| Noninterest expense | 598,000 | 1,180,000 | 1,759,000 | 2,309,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 21,000 | 82,000 | 160,000 | 208,000 |
| Income tax | -21,000 | -25,000 | -31,000 | -46,000 |
| Net income | 42,000 | 107,000 | 191,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,907,000 | 6,933,000 | 6,967,000 | 6,979,000 |
| Total capital | 7,371,000 | 7,383,000 | 7,407,000 | 7,389,000 |
| Risk-weighted assets | 37,080,000 | 35,997,000 | 36,461,000 | 36,812,000 |
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