Call reports 2013
FIRST NATIONAL BANK IN FRANKFORT — 2013
What FIRST NATIONAL BANK IN FRANKFORT 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 | 35,643,000 | 36,253,000 | 36,821,000 | 36,069,000 |
| Total loans | 12,588,000 | 13,245,000 | 14,532,000 | 15,201,000 |
| Allowance for loan losses | 224,000 | 224,000 | 222,000 | 188,000 |
| Securities available for sale | 17,718,000 | 16,953,000 | 16,925,000 | 16,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,171,000 | 31,111,000 | 31,804,000 | 31,152,000 |
| Interest-bearing deposits | 22,837,000 | 22,948,000 | 23,058,000 | 23,747,000 |
| Noninterest-bearing deposits | 7,334,000 | 8,163,000 | 8,746,000 | 7,405,000 |
| Equity capital | 3,988,000 | 3,681,000 | 3,555,000 | 3,490,000 |
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 | 303,000 | 608,000 | 923,000 | 1,256,000 |
| Interest expense | 52,000 | 100,000 | 145,000 | 188,000 |
| Net interest income | 251,000 | 508,000 | 778,000 | 1,068,000 |
| Noninterest income | 40,000 | 77,000 | 117,000 | 163,000 |
| Noninterest expense | 249,000 | 475,000 | 708,000 | 909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 213,000 | 335,000 | 470,000 |
| Income tax | 3,000 | 11,000 | 15,000 | 18,000 |
| Net income | 39,000 | 202,000 | 320,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,457,000 | 3,620,000 | 3,718,000 | 3,770,000 |
| Total capital | 3,677,000 | 3,844,000 | 3,940,000 | 3,958,000 |
| Risk-weighted assets | 17,585,000 | 18,279,000 | 19,589,000 | 20,701,000 |