Call reports 2016
FIRST NATIONAL BANK IN FRANKFORT — 2016
What FIRST NATIONAL BANK IN FRANKFORT reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 41,736,000 | 40,695,000 | 41,270,000 | 42,481,000 |
| Total loans | 18,423,000 | 18,528,000 | 19,484,000 | 20,012,000 |
| Allowance for loan losses | 217,000 | 228,000 | 225,000 | 211,000 |
| Securities available for sale | 17,087,000 | 15,807,000 | 16,370,000 | 16,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,018,000 | 34,808,000 | 35,422,000 | 37,098,000 |
| Interest-bearing deposits | 26,432,000 | 26,256,000 | 26,313,000 | 27,135,000 |
| Noninterest-bearing deposits | 9,586,000 | 8,552,000 | 9,109,000 | 9,963,000 |
| Equity capital | 4,378,000 | 4,541,000 | 4,485,000 | 4,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 756,000 | 1,134,000 | 1,519,000 |
| Interest expense | 45,000 | 87,000 | 128,000 | 168,000 |
| Net interest income | 352,000 | 669,000 | 1,006,000 | 1,351,000 |
| Noninterest income | 43,000 | 72,000 | 106,000 | 139,000 |
| Noninterest expense | 240,000 | 491,000 | 729,000 | 977,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 30,000 |
| Pretax income | 155,000 | 261,000 | 385,000 | 505,000 |
| Income tax | 9,000 | 13,000 | 18,000 | 23,000 |
| Net income | 146,000 | 248,000 | 367,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,008,000 | 4,009,000 | 4,029,000 | 4,044,000 |
| Total capital | 4,225,000 | 4,237,000 | 4,254,000 | 4,255,000 |
| Risk-weighted assets | 25,053,000 | 23,949,000 | 24,818,000 | 25,311,000 |