Call reports 2011
FIRST NATIONAL BANK IN STAUNTON, THE — 2011
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 469,173,000 | 458,730,000 | 476,074,000 | 480,166,000 |
| Total loans | 278,570,000 | 279,378,000 | 290,834,000 | 297,296,000 |
| Allowance for loan losses | 5,639,000 | 6,360,000 | 6,730,000 | 6,810,000 |
| Securities available for sale | 140,055,000 | 122,811,000 | 141,624,000 | 138,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,179,000 | 380,359,000 | 396,409,000 | 396,483,000 |
| Interest-bearing deposits | 333,590,000 | 322,966,000 | 338,243,000 | 334,197,000 |
| Noninterest-bearing deposits | 60,588,000 | 57,394,000 | 58,165,000 | 62,286,000 |
| Equity capital | 49,049,000 | 50,448,000 | 52,219,000 | 53,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,064,000 | 10,141,000 | 15,243,000 | 20,375,000 |
| Interest expense | 1,143,000 | 2,223,000 | 3,207,000 | 4,184,000 |
| Net interest income | 3,921,000 | 7,918,000 | 12,036,000 | 16,191,000 |
| Noninterest income | 851,000 | 1,736,000 | 2,682,000 | 3,813,000 |
| Noninterest expense | 2,996,000 | 6,001,000 | 9,207,000 | 12,490,000 |
| Provision for loan losses | 225,000 | 990,000 | 1,465,000 | 2,215,000 |
| Pretax income | 1,551,000 | 3,100,000 | 4,580,000 | 5,924,000 |
| Income tax | 19,000 | 39,000 | 57,000 | 74,000 |
| Net income | 1,532,000 | 3,061,000 | 4,523,000 | 5,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,181,000 | 44,318,000 | 44,990,000 | 46,379,000 |
| Total capital | 47,524,000 | 47,888,000 | 48,601,000 | 50,194,000 |
| Risk-weighted assets | 290,234,000 | 287,611,000 | 299,196,000 | 302,271,000 |