Call reports 2015
FIRST NATIONAL BANK NORTHWEST FLORIDA — 2015
What FIRST NATIONAL BANK NORTHWEST FLORIDA 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 | 111,237,000 | 113,730,000 | 116,047,000 | 115,814,000 |
| Total loans | 61,905,000 | 60,932,000 | 61,136,000 | 63,087,000 |
| Allowance for loan losses | 1,410,000 | 1,412,000 | 1,415,000 | 1,417,000 |
| Securities available for sale | 10,956,000 | 10,313,000 | 18,953,000 | 15,527,000 |
| Securities held to maturity | 2,114,000 | 2,040,000 | 1,970,000 | 1,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,657,000 | 98,089,000 | 100,284,000 | 100,073,000 |
| Interest-bearing deposits | 80,931,000 | 81,728,000 | 83,579,000 | 84,030,000 |
| Noninterest-bearing deposits | 14,726,000 | 16,361,000 | 16,705,000 | 16,043,000 |
| Equity capital | 15,409,000 | 15,421,000 | 15,503,000 | 15,564,000 |
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 | 971,000 | 1,945,000 | 2,885,000 | 3,880,000 |
| Interest expense | 85,000 | 173,000 | 269,000 | 365,000 |
| Net interest income | 886,000 | 1,772,000 | 2,616,000 | 3,515,000 |
| Noninterest income | 30,000 | 59,000 | 90,000 | 116,000 |
| Noninterest expense | 789,000 | 1,616,000 | 2,418,000 | 3,179,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 215,000 | 288,000 | 452,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 215,000 | 288,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,170,000 | 15,232,000 | 15,280,000 | 15,419,000 |
| Total capital | 15,874,000 | 15,941,000 | 16,056,000 | 16,178,000 |
| Risk-weighted assets | 55,680,000 | 56,029,000 | 61,421,000 | 60,044,000 |