Call reports 2014
FIRST NATIONAL BANK IN FRANKFORT — 2014
What FIRST NATIONAL BANK IN FRANKFORT reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 38,590,000 | 37,113,000 | 37,732,000 | 39,453,000 |
| Total loans | 13,683,000 | 14,218,000 | 15,016,000 | 16,133,000 |
| Allowance for loan losses | 197,000 | 213,000 | 213,000 | 201,000 |
| Securities available for sale | 20,431,000 | 19,111,000 | 19,114,000 | 19,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,378,000 | 31,490,000 | 32,260,000 | 33,921,000 |
| Interest-bearing deposits | 26,017,000 | 24,086,000 | 24,539,000 | 24,798,000 |
| Noninterest-bearing deposits | 7,361,000 | 7,404,000 | 7,721,000 | 9,123,000 |
| Equity capital | 3,785,000 | 3,979,000 | 4,044,000 | 4,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 333,000 | 672,000 | 1,009,000 | 1,365,000 |
| Interest expense | 44,000 | 88,000 | 130,000 | 173,000 |
| Net interest income | 289,000 | 584,000 | 879,000 | 1,192,000 |
| Noninterest income | 45,000 | 75,000 | 155,000 | 185,000 |
| Noninterest expense | 244,000 | 477,000 | 706,000 | 932,000 |
| Provision for loan losses | 0 | -40,000 | -40,000 | -40,000 |
| Pretax income | 90,000 | 264,000 | 415,000 | 532,000 |
| Income tax | -4,000 | 3,000 | 10,000 | 15,000 |
| Net income | 94,000 | 261,000 | 405,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,786,000 | 3,833,000 | 3,828,000 | 3,789,000 |
| Total capital | 3,983,000 | 4,046,000 | 4,041,000 | 3,990,000 |
| Risk-weighted assets | 19,403,000 | 20,099,000 | 20,513,000 | 22,054,000 |