Call reports 2012
FIRST NATIONAL BANK IN FRANKFORT — 2012
What FIRST NATIONAL BANK IN FRANKFORT 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 | 34,794,000 | 35,513,000 | 35,309,000 | 35,144,000 |
| Total loans | 13,170,000 | 12,616,000 | 12,329,000 | 14,234,000 |
| Allowance for loan losses | 225,000 | 220,000 | 224,000 | 218,000 |
| Securities available for sale | 18,961,000 | 19,034,000 | 18,343,000 | 17,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,068,000 | 30,004,000 | 29,690,000 | 28,830,000 |
| Interest-bearing deposits | 22,628,000 | 23,061,000 | 23,165,000 | 22,304,000 |
| Noninterest-bearing deposits | 6,440,000 | 6,943,000 | 6,526,000 | 6,526,000 |
| Equity capital | 3,870,000 | 3,981,000 | 4,095,000 | 4,102,000 |
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 | 351,000 | 681,000 | 1,002,000 | 1,318,000 |
| Interest expense | 62,000 | 122,000 | 181,000 | 236,000 |
| Net interest income | 289,000 | 559,000 | 821,000 | 1,082,000 |
| Noninterest income | 62,000 | 116,000 | 152,000 | 194,000 |
| Noninterest expense | 222,000 | 458,000 | 681,000 | 885,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 324,000 | 432,000 | 535,000 |
| Income tax | 2,000 | 18,000 | 22,000 | 27,000 |
| Net income | 183,000 | 306,000 | 410,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,443,000 | 3,416,000 | 3,520,000 | 3,518,000 |
| Total capital | 3,651,000 | 3,625,000 | 3,729,000 | 3,736,000 |
| Risk-weighted assets | 16,637,000 | 16,728,000 | 16,714,000 | 18,572,000 |