Call reports 2015
FIRST NATIONAL BANK IN FRANKFORT — 2015
What FIRST NATIONAL BANK IN FRANKFORT 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 | 40,983,000 | 41,791,000 | 40,608,000 | 40,504,000 |
| Total loans | 15,899,000 | 17,020,000 | 17,650,000 | 18,804,000 |
| Allowance for loan losses | 200,000 | 202,000 | 202,000 | 215,000 |
| Securities available for sale | 20,988,000 | 20,634,000 | 17,361,000 | 15,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,156,000 | 35,718,000 | 34,946,000 | 34,885,000 |
| Interest-bearing deposits | 26,334,000 | 26,336,000 | 25,637,000 | 25,671,000 |
| Noninterest-bearing deposits | 8,822,000 | 9,382,000 | 9,309,000 | 9,214,000 |
| Equity capital | 4,433,000 | 4,112,000 | 4,293,000 | 4,299,000 |
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 | 364,000 | 734,000 | 1,110,000 | 1,493,000 |
| Interest expense | 43,000 | 87,000 | 131,000 | 169,000 |
| Net interest income | 321,000 | 647,000 | 979,000 | 1,324,000 |
| Noninterest income | 50,000 | 90,000 | 121,000 | 159,000 |
| Noninterest expense | 235,000 | 491,000 | 754,000 | 1,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 138,000 | 248,000 | 397,000 | 530,000 |
| Income tax | 12,000 | 16,000 | 22,000 | 27,000 |
| Net income | 126,000 | 232,000 | 375,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,917,000 | 3,911,000 | 3,994,000 | 4,062,000 |
| Total capital | 4,117,000 | 4,113,000 | 4,196,000 | 4,277,000 |
| Risk-weighted assets | 22,055,000 | 23,190,000 | 22,616,000 | 24,477,000 |