Call reports 2019
FIRST NATIONAL BANK IN STAUNTON, THE — 2019
What FIRST NATIONAL BANK IN STAUNTON, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 543,007,000 | 539,825,000 | 543,284,000 | 549,335,000 |
| Total loans | 353,235,000 | 367,407,000 | 373,659,000 | 371,743,000 |
| Allowance for loan losses | 5,905,000 | 5,733,000 | 5,661,000 | 5,549,000 |
| Securities available for sale | 128,081,000 | 113,782,000 | 110,003,000 | 104,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,692,000 | 435,733,000 | 435,780,000 | 442,135,000 |
| Interest-bearing deposits | 351,486,000 | 345,559,000 | 349,618,000 | 351,564,000 |
| Noninterest-bearing deposits | 87,206,000 | 90,174,000 | 86,162,000 | 90,571,000 |
| Equity capital | 63,685,000 | 64,778,000 | 66,132,000 | 67,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,922,000 | 10,011,000 | 15,231,000 | 20,395,000 |
| Interest expense | 867,000 | 1,784,000 | 2,738,000 | 3,692,000 |
| Net interest income | 4,055,000 | 8,227,000 | 12,493,000 | 16,703,000 |
| Noninterest income | 873,000 | 1,826,000 | 2,867,000 | 3,851,000 |
| Noninterest expense | 3,177,000 | 6,566,000 | 9,959,000 | 13,335,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,751,000 | 3,503,000 | 5,419,000 | 7,247,000 |
| Income tax | 23,000 | 45,000 | 64,000 | 82,000 |
| Net income | 1,728,000 | 3,458,000 | 5,355,000 | 7,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,309,000 | 61,434,000 | 62,662,000 | 64,514,000 |
| Total capital | 66,266,000 | 66,357,000 | 67,670,000 | 69,669,000 |
| Risk-weighted assets | 395,668,000 | 393,085,000 | 400,031,000 | 412,040,000 |