Call reports 2020
FIRST NATIONAL BANK NORTHWEST FLORIDA — 2020
What FIRST NATIONAL BANK NORTHWEST FLORIDA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 177,052,000 | 187,430,000 | 190,857,000 | 187,730,000 |
| Total loans | 65,947,000 | 74,433,000 | 71,010,000 | 71,841,000 |
| Allowance for loan losses | 1,250,000 | 1,250,000 | 1,250,000 | 1,249,000 |
| Securities available for sale | 7,121,000 | 6,468,000 | 5,726,000 | 5,090,000 |
| Securities held to maturity | 1,265,000 | 1,236,000 | 1,210,000 | 1,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,426,000 | 167,503,000 | 170,604,000 | 167,369,000 |
| Interest-bearing deposits | 123,022,000 | 128,597,000 | 131,976,000 | 132,769,000 |
| Noninterest-bearing deposits | 34,404,000 | 38,906,000 | 38,628,000 | 34,600,000 |
| Equity capital | 19,463,000 | 19,686,000 | 19,955,000 | 20,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 2,812,000 | 4,062,000 | 5,226,000 |
| Interest expense | 260,000 | 424,000 | 536,000 | 608,000 |
| Net interest income | 1,242,000 | 2,388,000 | 3,526,000 | 4,618,000 |
| Noninterest income | 87,000 | 118,000 | 144,000 | 169,000 |
| Noninterest expense | 848,000 | 1,719,000 | 2,571,000 | 3,353,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 481,000 | 787,000 | 1,099,000 | 1,434,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 481,000 | 787,000 | 1,099,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,209,000 | 19,372,000 | 19,684,000 | 20,019,000 |
| Total capital | 19,863,000 | 20,144,000 | 20,429,000 | 20,767,000 |
| Risk-weighted assets | 51,706,000 | 61,236,000 | 59,063,000 | 59,343,000 |