Call reports 2013
FIRST NATIONAL BANK IN STAUNTON, THE — 2013
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 486,795,000 | 480,548,000 | 485,917,000 | 491,856,000 |
| Total loans | 311,491,000 | 314,844,000 | 316,624,000 | 316,473,000 |
| Allowance for loan losses | 8,529,000 | 8,524,000 | 8,547,000 | 8,403,000 |
| Securities available for sale | 119,347,000 | 131,382,000 | 129,285,000 | 135,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,971,000 | 400,110,000 | 406,392,000 | 406,533,000 |
| Interest-bearing deposits | 337,870,000 | 333,607,000 | 340,057,000 | 334,389,000 |
| Noninterest-bearing deposits | 67,101,000 | 66,503,000 | 66,335,000 | 72,144,000 |
| Equity capital | 56,406,000 | 55,329,000 | 54,946,000 | 55,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,521,000 | 8,979,000 | 13,426,000 | 17,926,000 |
| Interest expense | 712,000 | 1,409,000 | 2,055,000 | 2,674,000 |
| Net interest income | 3,809,000 | 7,570,000 | 11,371,000 | 15,252,000 |
| Noninterest income | 838,000 | 1,815,000 | 2,747,000 | 3,750,000 |
| Noninterest expense | 3,004,000 | 6,073,000 | 9,219,000 | 12,589,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 1,490,000 | 3,062,000 | 4,502,000 | 5,999,000 |
| Income tax | 4,000 | 27,000 | 49,000 | 69,000 |
| Net income | 1,486,000 | 3,035,000 | 4,453,000 | 5,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,426,000 | 49,866,000 | 50,665,000 | 52,005,000 |
| Total capital | 53,094,000 | 53,699,000 | 54,422,000 | 55,848,000 |
| Risk-weighted assets | 295,543,000 | 301,947,000 | 302,820,000 | 302,849,000 |