Call reports 2016
FIRST NATIONAL BANK NORTHWEST FLORIDA — 2016
What FIRST NATIONAL BANK NORTHWEST FLORIDA 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 | 111,953,000 | 121,560,000 | 121,998,000 | 123,455,000 |
| Total loans | 63,877,000 | 62,196,000 | 60,518,000 | 64,219,000 |
| Allowance for loan losses | 1,418,000 | 1,418,000 | 1,418,000 | 1,418,000 |
| Securities available for sale | 11,750,000 | 11,235,000 | 10,660,000 | 9,858,000 |
| Securities held to maturity | 1,858,000 | 1,800,000 | 1,742,000 | 1,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,934,000 | 105,478,000 | 105,798,000 | 107,331,000 |
| Interest-bearing deposits | 78,575,000 | 86,689,000 | 84,976,000 | 89,032,000 |
| Noninterest-bearing deposits | 17,359,000 | 18,789,000 | 20,822,000 | 18,299,000 |
| Equity capital | 15,819,000 | 15,806,000 | 15,915,000 | 15,894,000 |
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 | 1,006,000 | 1,959,000 | 2,936,000 | 3,919,000 |
| Interest expense | 87,000 | 177,000 | 275,000 | 374,000 |
| Net interest income | 919,000 | 1,782,000 | 2,661,000 | 3,545,000 |
| Noninterest income | 26,000 | 152,000 | 180,000 | 207,000 |
| Noninterest expense | 805,000 | 1,578,000 | 2,354,000 | 3,063,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 356,000 | 487,000 | 689,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 140,000 | 356,000 | 487,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,559,000 | 15,542,000 | 15,640,000 | 15,807,000 |
| Total capital | 16,280,000 | 16,226,000 | 16,308,000 | 16,473,000 |
| Risk-weighted assets | 57,014,000 | 54,011,000 | 52,708,000 | 52,508,000 |