Call reports 2014
FIRST NATIONAL BANK IN STAUNTON, THE — 2014
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 499,675,000 | 482,607,000 | 473,125,000 | 479,526,000 |
| Total loans | 313,493,000 | 316,053,000 | 319,568,000 | 311,680,000 |
| Allowance for loan losses | 8,386,000 | 8,337,000 | 8,464,000 | 8,391,000 |
| Securities available for sale | 131,555,000 | 124,939,000 | 115,478,000 | 125,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,075,000 | 393,693,000 | 383,979,000 | 386,419,000 |
| Interest-bearing deposits | 336,121,000 | 324,470,000 | 316,526,000 | 314,571,000 |
| Noninterest-bearing deposits | 77,954,000 | 69,223,000 | 67,453,000 | 71,848,000 |
| Equity capital | 56,764,000 | 57,682,000 | 58,594,000 | 60,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,397,000 | 8,843,000 | 13,227,000 | 17,498,000 |
| Interest expense | 540,000 | 1,058,000 | 1,528,000 | 2,021,000 |
| Net interest income | 3,857,000 | 7,785,000 | 11,699,000 | 15,477,000 |
| Noninterest income | 837,000 | 1,821,000 | 2,748,000 | 3,760,000 |
| Noninterest expense | 2,976,000 | 6,107,000 | 9,186,000 | 12,391,000 |
| Provision for loan losses | 75,000 | 150,000 | 275,000 | 450,000 |
| Pretax income | 1,630,000 | 3,420,000 | 5,012,000 | 6,469,000 |
| Income tax | 33,000 | 59,000 | 82,000 | 103,000 |
| Net income | 1,597,000 | 3,361,000 | 4,930,000 | 6,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,544,000 | 52,843,000 | 53,822,000 | 55,121,000 |
| Total capital | 56,272,000 | 56,687,000 | 57,708,000 | 58,929,000 |
| Risk-weighted assets | 300,629,000 | 303,051,000 | 306,310,000 | 309,468,000 |
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