Call reports 2016
FIRST NATIONAL BANK IN STAUNTON, THE — 2016
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 499,861,000 | 492,632,000 | 497,048,000 | 500,831,000 |
| Total loans | 317,541,000 | 324,397,000 | 328,530,000 | 348,183,000 |
| Allowance for loan losses | 7,848,000 | 7,780,000 | 7,312,000 | 7,357,000 |
| Securities available for sale | 133,549,000 | 129,336,000 | 121,264,000 | 111,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,293,000 | 395,327,000 | 402,520,000 | 404,863,000 |
| Interest-bearing deposits | 322,428,000 | 321,553,000 | 327,373,000 | 327,605,000 |
| Noninterest-bearing deposits | 73,865,000 | 73,774,000 | 75,147,000 | 77,258,000 |
| Equity capital | 62,616,000 | 63,759,000 | 63,073,000 | 61,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,198,000 | 8,410,000 | 12,586,000 | 16,788,000 |
| Interest expense | 525,000 | 1,054,000 | 1,577,000 | 2,134,000 |
| Net interest income | 3,673,000 | 7,356,000 | 11,009,000 | 14,654,000 |
| Noninterest income | 928,000 | 1,857,000 | 2,862,000 | 3,870,000 |
| Noninterest expense | 2,990,000 | 6,114,000 | 9,154,000 | 12,350,000 |
| Provision for loan losses | 0 | 25,000 | 125,000 | 225,000 |
| Pretax income | 1,692,000 | 3,230,000 | 4,760,000 | 6,134,000 |
| Income tax | -11,000 | -3,000 | 8,000 | 18,000 |
| Net income | 1,703,000 | 3,233,000 | 4,752,000 | 6,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,916,000 | 58,251,000 | 57,933,000 | 59,160,000 |
| Total capital | 62,436,000 | 62,682,000 | 62,275,000 | 63,673,000 |
| Risk-weighted assets | 358,278,000 | 351,147,000 | 344,432,000 | 358,253,000 |