Call reports 2012
FIRST NATIONAL BANK NORTHWEST FLORIDA — 2012
What FIRST NATIONAL BANK NORTHWEST FLORIDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 109,503,000 | 106,655,000 | 103,753,000 | 104,006,000 |
| Total loans | 69,832,000 | 69,808,000 | 66,797,000 | 68,158,000 |
| Allowance for loan losses | 2,053,000 | 2,093,000 | 1,971,000 | 1,953,000 |
| Securities available for sale | 11,767,000 | 10,598,000 | 12,082,000 | 11,312,000 |
| Securities held to maturity | 4,495,000 | 2,312,000 | 2,156,000 | 2,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,317,000 | 91,405,000 | 88,477,000 | 88,972,000 |
| Interest-bearing deposits | 82,854,000 | 79,994,000 | 76,661,000 | 77,477,000 |
| Noninterest-bearing deposits | 11,463,000 | 11,411,000 | 11,816,000 | 11,495,000 |
| Equity capital | 15,044,000 | 15,037,000 | 15,057,000 | 14,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,033,000 | 2,021,000 | 2,953,000 | 3,883,000 |
| Interest expense | 159,000 | 290,000 | 398,000 | 492,000 |
| Net interest income | 874,000 | 1,731,000 | 2,555,000 | 3,391,000 |
| Noninterest income | 33,000 | 65,000 | 101,000 | 143,000 |
| Noninterest expense | 831,000 | 1,807,000 | 2,685,000 | 3,673,000 |
| Provision for loan losses | 45,000 | 55,000 | 55,000 | 55,000 |
| Pretax income | 31,000 | -66,000 | -84,000 | -194,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | -66,000 | -84,000 | -194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,753,000 | 14,656,000 | 14,638,000 | 14,528,000 |
| Total capital | 15,562,000 | 15,497,000 | 15,462,000 | 15,337,000 |
| Risk-weighted assets | 63,515,000 | 66,039,000 | 64,798,000 | 63,558,000 |
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