Call reports 2015
FIRST NATIONAL BANK IN PHILIP — 2015
What FIRST NATIONAL BANK IN PHILIP 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 | 256,102,000 | 244,113,000 | 244,123,000 | 274,204,000 |
| Total loans | 155,124,000 | 169,301,000 | 174,284,000 | 163,430,000 |
| Allowance for loan losses | 2,430,000 | 2,409,000 | 2,367,000 | 2,421,000 |
| Securities available for sale | 48,674,000 | 44,904,000 | 49,120,000 | 50,536,000 |
| Securities held to maturity | 4,940,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,463,000 | 214,567,000 | 210,847,000 | 242,104,000 |
| Interest-bearing deposits | 184,850,000 | 177,532,000 | 171,313,000 | 191,337,000 |
| Noninterest-bearing deposits | 41,613,000 | 37,035,000 | 39,534,000 | 50,767,000 |
| Equity capital | 26,535,000 | 26,275,000 | 27,624,000 | 28,248,000 |
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 | 2,441,000 | 4,936,000 | 7,571,000 | 10,119,000 |
| Interest expense | 398,000 | 789,000 | 1,179,000 | 1,570,000 |
| Net interest income | 2,043,000 | 4,147,000 | 6,392,000 | 8,549,000 |
| Noninterest income | 206,000 | 378,000 | 565,000 | 730,000 |
| Noninterest expense | 1,181,000 | 2,210,000 | 3,491,000 | 4,744,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 1,068,000 | 2,580,000 | 3,721,000 | 4,759,000 |
| Income tax | 44,000 | 104,000 | 149,000 | 190,000 |
| Net income | 1,024,000 | 2,476,000 | 3,572,000 | 4,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,679,000 | 26,091,000 | 27,084,000 | 28,093,000 |
| Total capital | 27,830,000 | 28,395,000 | 29,451,000 | 30,341,000 |
| Risk-weighted assets | 171,857,000 | 184,286,000 | 191,361,000 | 179,708,000 |