Call reports 2015
FIRST NATIONAL BANK OF PANDORA, THE — 2015
What FIRST NATIONAL BANK OF PANDORA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 141,070,000 | 145,048,000 | 151,161,000 | 154,385,000 |
| Total loans | 95,916,000 | 100,165,000 | 103,081,000 | 105,810,000 |
| Allowance for loan losses | 1,454,000 | 1,458,000 | 1,445,000 | 1,469,000 |
| Securities available for sale | 33,064,000 | 32,286,000 | 32,136,000 | 32,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,804,000 | 119,981,000 | 127,895,000 | 133,907,000 |
| Interest-bearing deposits | 108,540,000 | 109,372,000 | 114,581,000 | 117,070,000 |
| Noninterest-bearing deposits | 10,264,000 | 10,609,000 | 13,314,000 | 16,837,000 |
| Equity capital | 12,607,000 | 12,573,000 | 12,926,000 | 12,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,775,000 | 4,236,000 | 5,774,000 |
| Interest expense | 139,000 | 281,000 | 431,000 | 583,000 |
| Net interest income | 1,232,000 | 2,494,000 | 3,805,000 | 5,191,000 |
| Noninterest income | 277,000 | 577,000 | 871,000 | 1,121,000 |
| Noninterest expense | 1,269,000 | 2,592,000 | 3,901,000 | 5,227,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 280,000 | 554,000 | 850,000 | 1,080,000 |
| Income tax | 70,000 | 136,000 | 210,000 | 255,000 |
| Net income | 210,000 | 418,000 | 640,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,346,000 | 12,554,000 | 12,776,000 | 12,861,000 |
| Total capital | 13,672,000 | 13,897,000 | 14,160,000 | 14,284,000 |
| Risk-weighted assets | 105,981,000 | 107,343,000 | 110,675,000 | 113,777,000 |