Call reports 2015
FIRST NATIONAL BANK OF NIAGARA, THE — 2015
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,166,000 | 67,612,000 | 69,106,000 | 69,912,000 |
| Total loans | 34,835,000 | 35,093,000 | 35,245,000 | 35,923,000 |
| Allowance for loan losses | 370,000 | 365,000 | 356,000 | 365,000 |
| Securities available for sale | 20,873,000 | 20,729,000 | 20,223,000 | 18,919,000 |
| Securities held to maturity | 0 | 0 | 386,000 | 385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,757,000 | 58,249,000 | 59,624,000 | 60,477,000 |
| Interest-bearing deposits | 52,487,000 | 52,390,000 | 53,220,000 | 54,964,000 |
| Noninterest-bearing deposits | 5,270,000 | 5,859,000 | 6,404,000 | 5,514,000 |
| Equity capital | 7,279,000 | 7,219,000 | 7,328,000 | 7,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,339,000 | 2,006,000 | 2,680,000 |
| Interest expense | 121,000 | 239,000 | 354,000 | 467,000 |
| Net interest income | 526,000 | 1,100,000 | 1,652,000 | 2,213,000 |
| Noninterest income | 79,000 | 169,000 | 253,000 | 347,000 |
| Noninterest expense | 541,000 | 1,078,000 | 1,686,000 | 2,268,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 64,000 | 191,000 | 219,000 | 282,000 |
| Income tax | -1,000 | 22,000 | 6,000 | 3,000 |
| Net income | 65,000 | 169,000 | 213,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,006,000 | 7,068,000 | 7,069,000 | 7,093,000 |
| Total capital | 7,376,000 | 7,433,000 | 7,425,000 | 7,458,000 |
| Risk-weighted assets | 36,109,000 | 36,372,000 | 36,530,000 | 37,020,000 |
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