Call reports 2010
FIRST NATIONAL BANK NORTHWEST FLORIDA — 2010
What FIRST NATIONAL BANK NORTHWEST FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 122,520,000 | 123,186,000 | 121,958,000 | 118,658,000 |
| Total loans | 75,440,000 | 74,954,000 | 76,063,000 | 74,416,000 |
| Allowance for loan losses | 1,084,000 | 1,144,000 | 1,375,000 | 1,531,000 |
| Securities available for sale | 14,806,000 | 13,427,000 | 10,766,000 | 10,125,000 |
| Securities held to maturity | 14,991,000 | 13,988,000 | 8,997,000 | 11,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,944,000 | 102,663,000 | 102,145,000 | 99,065,000 |
| Interest-bearing deposits | 91,583,000 | 92,603,000 | 92,109,000 | 88,522,000 |
| Noninterest-bearing deposits | 10,361,000 | 10,060,000 | 10,036,000 | 10,543,000 |
| Equity capital | 18,083,000 | 18,373,000 | 18,092,000 | 17,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,396,000 | 2,802,000 | 4,073,000 | 5,310,000 |
| Interest expense | 364,000 | 718,000 | 1,052,000 | 1,340,000 |
| Net interest income | 1,032,000 | 2,084,000 | 3,021,000 | 3,970,000 |
| Noninterest income | 68,000 | 142,000 | 184,000 | 203,000 |
| Noninterest expense | 931,000 | 1,828,000 | 2,630,000 | 3,799,000 |
| Provision for loan losses | 75,000 | 150,000 | 557,000 | 901,000 |
| Pretax income | 94,000 | 248,000 | 18,000 | -527,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 248,000 | 18,000 | -527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,719,000 | 17,872,000 | 17,643,000 | 17,098,000 |
| Total capital | 18,653,000 | 18,793,000 | 18,577,000 | 18,009,000 |
| Risk-weighted assets | 73,800,000 | 72,730,000 | 73,552,000 | 71,511,000 |
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