Call reports 2015
FIRST NATIONAL BANK IN STAUNTON, THE — 2015
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 489,724,000 | 483,241,000 | 485,503,000 | 504,188,000 |
| Total loans | 311,138,000 | 306,632,000 | 306,308,000 | 309,842,000 |
| Allowance for loan losses | 8,345,000 | 8,379,000 | 8,318,000 | 8,036,000 |
| Securities available for sale | 123,927,000 | 132,570,000 | 134,799,000 | 135,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,069,000 | 385,469,000 | 387,768,000 | 403,773,000 |
| Interest-bearing deposits | 318,192,000 | 314,137,000 | 319,935,000 | 326,043,000 |
| Noninterest-bearing deposits | 72,877,000 | 71,332,000 | 67,833,000 | 77,730,000 |
| Equity capital | 60,717,000 | 60,031,000 | 61,415,000 | 62,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,179,000 | 8,360,000 | 12,533,000 | 16,701,000 |
| Interest expense | 451,000 | 939,000 | 1,432,000 | 1,981,000 |
| Net interest income | 3,728,000 | 7,421,000 | 11,101,000 | 14,720,000 |
| Noninterest income | 908,000 | 1,986,000 | 3,080,000 | 4,153,000 |
| Noninterest expense | 3,066,000 | 6,200,000 | 9,307,000 | 12,516,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,548,000 | 3,217,000 | 4,887,000 | 6,408,000 |
| Income tax | 22,000 | 46,000 | 70,000 | 91,000 |
| Net income | 1,526,000 | 3,171,000 | 4,817,000 | 6,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,885,000 | 56,254,000 | 57,272,000 | 58,099,000 |
| Total capital | 59,967,000 | 60,476,000 | 61,559,000 | 62,576,000 |
| Risk-weighted assets | 322,319,000 | 333,666,000 | 338,996,000 | 354,678,000 |