Call reports 2010
FIRST NATIONAL BANK OF PANDORA, THE — 2010
What FIRST NATIONAL BANK OF PANDORA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 117,983,000 | 117,269,000 | 125,627,000 | 128,503,000 |
| Total loans | 75,439,000 | 75,548,000 | 75,820,000 | 75,156,000 |
| Allowance for loan losses | 1,323,000 | 1,166,000 | 1,260,000 | 1,194,000 |
| Securities available for sale | 28,667,000 | 29,248,000 | 32,657,000 | 36,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,146,000 | 99,283,000 | 106,673,000 | 110,455,000 |
| Interest-bearing deposits | 90,141,000 | 89,931,000 | 93,144,000 | 96,407,000 |
| Noninterest-bearing deposits | 10,005,000 | 9,352,000 | 13,529,000 | 14,048,000 |
| Equity capital | 10,504,000 | 10,758,000 | 11,000,000 | 10,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,852,000 | 4,342,000 | 5,770,000 |
| Interest expense | 349,000 | 678,000 | 999,000 | 1,306,000 |
| Net interest income | 1,043,000 | 2,174,000 | 3,343,000 | 4,464,000 |
| Noninterest income | 268,000 | 499,000 | 832,000 | 1,116,000 |
| Noninterest expense | 946,000 | 1,936,000 | 2,977,000 | 4,024,000 |
| Provision for loan losses | 165,000 | 225,000 | 385,000 | 465,000 |
| Pretax income | 206,000 | 518,000 | 820,000 | 1,098,000 |
| Income tax | 49,000 | 134,000 | 215,000 | 287,000 |
| Net income | 157,000 | 384,000 | 605,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,984,000 | 10,210,000 | 10,426,000 | 10,561,000 |
| Total capital | 11,031,000 | 11,263,000 | 11,474,000 | 11,636,000 |
| Risk-weighted assets | 83,444,000 | 84,110,000 | 83,665,000 | 85,890,000 |