Call reports 2011
FIRST NATIONAL BANK OF PANDORA, THE — 2011
What FIRST NATIONAL BANK OF PANDORA, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 129,069,000 | 126,014,000 | 125,983,000 | 132,098,000 |
| Total loans | 73,058,000 | 74,465,000 | 77,346,000 | 75,381,000 |
| Allowance for loan losses | 1,229,000 | 1,237,000 | 1,266,000 | 1,244,000 |
| Securities available for sale | 38,315,000 | 38,298,000 | 36,281,000 | 39,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,860,000 | 107,409,000 | 106,937,000 | 111,324,000 |
| Interest-bearing deposits | 100,426,000 | 97,531,000 | 95,780,000 | 95,096,000 |
| Noninterest-bearing deposits | 10,434,000 | 9,878,000 | 11,157,000 | 16,228,000 |
| Equity capital | 11,087,000 | 11,428,000 | 11,771,000 | 11,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,337,000 | 2,703,000 | 4,090,000 | 5,454,000 |
| Interest expense | 283,000 | 554,000 | 815,000 | 1,076,000 |
| Net interest income | 1,054,000 | 2,149,000 | 3,275,000 | 4,378,000 |
| Noninterest income | 214,000 | 429,000 | 667,000 | 995,000 |
| Noninterest expense | 1,025,000 | 2,046,000 | 3,109,000 | 4,191,000 |
| Provision for loan losses | 50,000 | 95,000 | 150,000 | 225,000 |
| Pretax income | 216,000 | 493,000 | 742,000 | 1,020,000 |
| Income tax | 52,000 | 125,000 | 188,000 | 263,000 |
| Net income | 164,000 | 368,000 | 554,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,723,000 | 10,928,000 | 11,113,000 | 11,313,000 |
| Total capital | 11,782,000 | 12,003,000 | 12,215,000 | 12,411,000 |
| Risk-weighted assets | 84,543,000 | 85,834,000 | 87,958,000 | 87,725,000 |