Call reports 2016
FIRST NATIONAL BANK OF NIAGARA, THE — 2016
What FIRST NATIONAL BANK OF NIAGARA, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 68,440,000 | 68,353,000 |
| Total loans | 34,556,000 | 33,120,000 |
| Allowance for loan losses | 350,000 | 366,000 |
| Securities available for sale | 20,166,000 | 20,593,000 |
| Securities held to maturity | 384,000 | 383,000 |
| Trading assets | 0 | 0 |
| Total deposits | 59,879,000 | 59,624,000 |
| Interest-bearing deposits | 54,983,000 | 54,205,000 |
| Noninterest-bearing deposits | 4,896,000 | 5,419,000 |
| Equity capital | 7,412,000 | 7,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 665,000 | 1,359,000 |
| Interest expense | 110,000 | 212,000 |
| Net interest income | 555,000 | 1,147,000 |
| Noninterest income | 84,000 | 163,000 |
| Noninterest expense | 531,000 | 1,085,000 |
| Provision for loan losses | 46,000 | 70,000 |
| Pretax income | 62,000 | 155,000 |
| Income tax | -3,000 | 4,000 |
| Net income | 65,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 7,079,000 | 7,133,000 |
| Total capital | 7,429,000 | 7,499,000 |
| Risk-weighted assets | 35,808,000 | 34,893,000 |