Call reports 2013
FIRST NATIONAL BANK OF PANDORA, THE — 2013
What FIRST NATIONAL BANK OF PANDORA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 138,033,000 | 139,247,000 | 140,620,000 | 146,491,000 |
| Total loans | 85,443,000 | 89,244,000 | 91,521,000 | 93,008,000 |
| Allowance for loan losses | 1,450,000 | 1,523,000 | 1,490,000 | 1,535,000 |
| Securities available for sale | 34,605,000 | 34,064,000 | 33,270,000 | 33,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,998,000 | 117,806,000 | 119,584,000 | 127,931,000 |
| Interest-bearing deposits | 104,442,000 | 102,269,000 | 103,207,000 | 101,705,000 |
| Noninterest-bearing deposits | 14,556,000 | 15,537,000 | 16,377,000 | 26,226,000 |
| Equity capital | 11,987,000 | 11,575,000 | 11,717,000 | 11,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,564,000 | 3,892,000 | 5,268,000 |
| Interest expense | 179,000 | 354,000 | 529,000 | 689,000 |
| Net interest income | 1,078,000 | 2,210,000 | 3,363,000 | 4,579,000 |
| Noninterest income | 291,000 | 580,000 | 835,000 | 1,084,000 |
| Noninterest expense | 1,220,000 | 2,454,000 | 3,751,000 | 4,949,000 |
| Provision for loan losses | 90,000 | 160,000 | 110,000 | 120,000 |
| Pretax income | 125,000 | 242,000 | 404,000 | 663,000 |
| Income tax | 24,000 | 41,000 | 73,000 | 141,000 |
| Net income | 101,000 | 201,000 | 331,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,459,000 | 11,559,000 | 11,692,000 | 11,701,000 |
| Total capital | 12,662,000 | 12,820,000 | 12,973,000 | 13,006,000 |
| Risk-weighted assets | 96,001,000 | 100,637,000 | 102,294,000 | 104,154,000 |