Call reports 2014
FIRST NATIONAL BANK OF NIAGARA, THE — 2014
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,162,000 | 66,446,000 | 65,248,000 | 67,418,000 |
| Total loans | 30,953,000 | 31,228,000 | 31,926,000 | 34,928,000 |
| Allowance for loan losses | 407,000 | 414,000 | 379,000 | 377,000 |
| Securities available for sale | 11,571,000 | 12,485,000 | 22,349,000 | 21,124,000 |
| Securities held to maturity | 11,309,000 | 10,419,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,062,000 | 57,303,000 | 55,872,000 | 58,042,000 |
| Interest-bearing deposits | 52,124,000 | 51,820,000 | 50,753,000 | 53,124,000 |
| Noninterest-bearing deposits | 4,938,000 | 5,483,000 | 5,119,000 | 4,918,000 |
| Equity capital | 7,004,000 | 7,051,000 | 7,210,000 | 7,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,261,000 | 1,983,000 | 2,637,000 |
| Interest expense | 135,000 | 269,000 | 397,000 | 523,000 |
| Net interest income | 485,000 | 992,000 | 1,586,000 | 2,114,000 |
| Noninterest income | 78,000 | 152,000 | 218,000 | 306,000 |
| Noninterest expense | 559,000 | 1,109,000 | 1,669,000 | 2,237,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 100,000 | 200,000 | 248,000 |
| Income tax | -5,000 | -23,000 | -12,000 | -20,000 |
| Net income | 74,000 | 123,000 | 212,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,003,000 | 7,041,000 | 7,057,000 | 7,072,000 |
| Total capital | 7,410,000 | 7,455,000 | 7,436,000 | 7,449,000 |
| Risk-weighted assets | 34,259,000 | 34,039,000 | 33,855,000 | 36,214,000 |
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