Call reports 2012
FIRST NATIONAL BANK IN STAUNTON, THE — 2012
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 491,375,000 | 497,923,000 | 486,660,000 | 485,368,000 |
| Total loans | 300,772,000 | 300,368,000 | 315,685,000 | 322,358,000 |
| Allowance for loan losses | 7,148,000 | 7,975,000 | 8,354,000 | 8,559,000 |
| Securities available for sale | 143,792,000 | 148,440,000 | 133,752,000 | 125,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,786,000 | 415,597,000 | 399,071,000 | 398,383,000 |
| Interest-bearing deposits | 344,347,000 | 349,558,000 | 335,473,000 | 332,311,000 |
| Noninterest-bearing deposits | 65,438,000 | 66,040,000 | 63,598,000 | 66,073,000 |
| Equity capital | 55,198,000 | 55,590,000 | 56,306,000 | 56,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,025,000 | 9,938,000 | 14,731,000 | 19,447,000 |
| Interest expense | 922,000 | 1,813,000 | 2,629,000 | 3,423,000 |
| Net interest income | 4,103,000 | 8,125,000 | 12,102,000 | 16,024,000 |
| Noninterest income | 995,000 | 2,119,000 | 3,269,000 | 4,528,000 |
| Noninterest expense | 3,018,000 | 6,131,000 | 9,260,000 | 12,582,000 |
| Provision for loan losses | 450,000 | 1,425,000 | 1,925,000 | 2,525,000 |
| Pretax income | 1,640,000 | 3,312,000 | 4,899,000 | 6,164,000 |
| Income tax | -78,000 | -55,000 | -32,000 | -14,000 |
| Net income | 1,718,000 | 3,367,000 | 4,931,000 | 6,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,456,000 | 47,717,000 | 48,441,000 | 49,100,000 |
| Total capital | 51,274,000 | 51,528,000 | 52,273,000 | 52,887,000 |
| Risk-weighted assets | 302,211,000 | 300,717,000 | 302,012,000 | 305,049,000 |