Call reports 2010
FIRST NATIONAL BANK IN FRANKFORT — 2010
What FIRST NATIONAL BANK IN FRANKFORT 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 | 32,141,000 | 32,116,000 | 32,659,000 | 32,741,000 |
| Total loans | 13,179,000 | 13,778,000 | 13,091,000 | 13,863,000 |
| Allowance for loan losses | 259,000 | 258,000 | 193,000 | 199,000 |
| Securities available for sale | 10,874,000 | 12,847,000 | 13,483,000 | 15,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,230,000 | 26,021,000 | 26,385,000 | 27,749,000 |
| Interest-bearing deposits | 21,456,000 | 21,300,000 | 21,507,000 | 22,241,000 |
| Noninterest-bearing deposits | 4,774,000 | 4,721,000 | 4,878,000 | 5,508,000 |
| Equity capital | 3,246,000 | 3,431,000 | 3,614,000 | 3,267,000 |
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 | 380,000 | 735,000 | 1,098,000 | 1,465,000 |
| Interest expense | 111,000 | 214,000 | 315,000 | 407,000 |
| Net interest income | 269,000 | 521,000 | 783,000 | 1,058,000 |
| Noninterest income | 35,000 | 71,000 | 108,000 | 145,000 |
| Noninterest expense | 217,000 | 444,000 | 655,000 | 863,000 |
| Provision for loan losses | 55,000 | 55,000 | 125,000 | 128,000 |
| Pretax income | 118,000 | 179,000 | 198,000 | 298,000 |
| Income tax | 6,000 | 7,000 | 8,000 | 12,000 |
| Net income | 112,000 | 172,000 | 190,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,992,000 | 2,995,000 | 3,013,000 | 3,109,000 |
| Total capital | 3,192,000 | 3,204,000 | 3,206,000 | 3,309,000 |
| Risk-weighted assets | 15,908,000 | 16,688,000 | 16,024,000 | 16,719,000 |