Call reports 2010
FIRST NATIONAL BANK IN STAUNTON, THE — 2010
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 465,674,000 | 458,414,000 | 450,176,000 | 446,105,000 |
| Total loans | 274,552,000 | 273,051,000 | 279,718,000 | 282,001,000 |
| Allowance for loan losses | 4,994,000 | 5,140,000 | 5,318,000 | 5,415,000 |
| Securities available for sale | 127,086,000 | 128,520,000 | 117,508,000 | 120,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,044,000 | 373,157,000 | 371,668,000 | 372,586,000 |
| Interest-bearing deposits | 325,414,000 | 319,981,000 | 316,579,000 | 314,451,000 |
| Noninterest-bearing deposits | 53,630,000 | 53,176,000 | 55,090,000 | 58,135,000 |
| Equity capital | 45,990,000 | 47,053,000 | 49,287,000 | 46,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,284,000 | 10,644,000 | 15,980,000 | 21,262,000 |
| Interest expense | 1,745,000 | 3,473,000 | 5,132,000 | 6,560,000 |
| Net interest income | 3,539,000 | 7,171,000 | 10,848,000 | 14,702,000 |
| Noninterest income | 915,000 | 1,784,000 | 2,752,000 | 3,695,000 |
| Noninterest expense | 2,880,000 | 5,781,000 | 8,781,000 | 12,143,000 |
| Provision for loan losses | 150,000 | 400,000 | 750,000 | 1,100,000 |
| Pretax income | 1,453,000 | 2,830,000 | 4,147,000 | 5,232,000 |
| Income tax | 20,000 | 36,000 | 53,000 | 76,000 |
| Net income | 1,433,000 | 2,794,000 | 4,094,000 | 5,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,362,000 | 41,127,000 | 41,763,000 | 42,659,000 |
| Total capital | 44,143,000 | 44,763,000 | 45,401,000 | 46,241,000 |
| Risk-weighted assets | 301,296,000 | 289,408,000 | 289,432,000 | 289,599,000 |
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