Call reports 2012
FIRST NATIONAL BANK OF PANDORA, THE — 2012
What FIRST NATIONAL BANK OF PANDORA, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,411,000 | 133,506,000 | 141,305,000 | 140,695,000 |
| Total loans | 74,244,000 | 78,689,000 | 82,440,000 | 82,795,000 |
| Allowance for loan losses | 1,306,000 | 1,270,000 | 1,328,000 | 1,388,000 |
| Securities available for sale | 41,133,000 | 40,705,000 | 40,167,000 | 39,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,185,000 | 111,811,000 | 117,822,000 | 122,502,000 |
| Interest-bearing deposits | 101,162,000 | 99,137,000 | 101,799,000 | 99,581,000 |
| Noninterest-bearing deposits | 13,023,000 | 12,674,000 | 16,023,000 | 22,921,000 |
| Equity capital | 11,625,000 | 11,889,000 | 12,127,000 | 11,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,322,000 | 2,685,000 | 4,041,000 | 5,347,000 |
| Interest expense | 245,000 | 482,000 | 714,000 | 917,000 |
| Net interest income | 1,077,000 | 2,203,000 | 3,327,000 | 4,430,000 |
| Noninterest income | 298,000 | 661,000 | 1,006,000 | 1,277,000 |
| Noninterest expense | 1,194,000 | 2,506,000 | 3,771,000 | 4,942,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 350,000 |
| Pretax income | 176,000 | 374,000 | 503,000 | 581,000 |
| Income tax | 41,000 | 88,000 | 112,000 | 118,000 |
| Net income | 135,000 | 286,000 | 391,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,155,000 | 11,302,000 | 11,405,000 | 11,357,000 |
| Total capital | 12,251,000 | 12,436,000 | 12,611,000 | 12,548,000 |
| Risk-weighted assets | 87,500,000 | 90,610,000 | 96,385,000 | 95,055,000 |