Call reports 2020
FIRST NATIONAL BANK IN FRANKFORT — 2020
What FIRST NATIONAL BANK IN FRANKFORT reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 48,192,000 | 50,563,000 | 51,904,000 | 56,502,000 |
| Total loans | 23,066,000 | 24,252,000 | 24,902,000 | 22,934,000 |
| Allowance for loan losses | 335,000 | 339,000 | 357,000 | 359,000 |
| Securities available for sale | 21,507,000 | 22,235,000 | 21,769,000 | 25,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,613,000 | 42,443,000 | 43,694,000 | 48,226,000 |
| Interest-bearing deposits | 30,817,000 | 31,284,000 | 32,653,000 | 35,593,000 |
| Noninterest-bearing deposits | 9,796,000 | 11,159,000 | 11,041,000 | 12,633,000 |
| Equity capital | 5,029,000 | 5,771,000 | 5,854,000 | 5,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 452,000 | 887,000 | 1,318,000 | 1,753,000 |
| Interest expense | 87,000 | 186,000 | 268,000 | 341,000 |
| Net interest income | 365,000 | 701,000 | 1,050,000 | 1,412,000 |
| Noninterest income | 47,000 | 153,000 | 198,000 | 256,000 |
| Noninterest expense | 297,000 | 588,000 | 895,000 | 1,215,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 114,000 | 277,000 | 371,000 | 487,000 |
| Income tax | 11,000 | 17,000 | 21,000 | 26,000 |
| Net income | 103,000 | 260,000 | 350,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,120,000 | 5,152,000 | 5,242,000 | 5,254,000 |