Call reports 2015
FIRST NATIONAL BANK OF DRYDEN, THE — 2015
What FIRST NATIONAL BANK OF DRYDEN, THE 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 | 135,168,000 | 135,260,000 | 141,041,000 | 131,337,000 |
| Total loans | 42,354,000 | 43,021,000 | 42,821,000 | 42,331,000 |
| Allowance for loan losses | 1,122,000 | 1,128,000 | 1,090,000 | 1,148,000 |
| Securities available for sale | 64,762,000 | 64,240,000 | 65,668,000 | 65,281,000 |
| Securities held to maturity | 1,475,000 | 1,447,000 | 1,441,000 | 1,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,027,000 | 119,515,000 | 124,763,000 | 115,128,000 |
| Interest-bearing deposits | 89,691,000 | 88,851,000 | 94,440,000 | 83,602,000 |
| Noninterest-bearing deposits | 29,336,000 | 30,664,000 | 30,323,000 | 31,526,000 |
| Equity capital | 15,714,000 | 15,596,000 | 16,079,000 | 15,960,000 |
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 | 1,049,000 | 2,103,000 | 3,171,000 | 4,244,000 |
| Interest expense | 40,000 | 78,000 | 113,000 | 147,000 |
| Net interest income | 1,009,000 | 2,025,000 | 3,058,000 | 4,097,000 |
| Noninterest income | 94,000 | 185,000 | 290,000 | 371,000 |
| Noninterest expense | 698,000 | 1,441,000 | 2,100,000 | 2,923,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 94,000 |
| Pretax income | 399,000 | 757,000 | 1,230,000 | 1,451,000 |
| Income tax | 0 | 15,000 | 55,000 | 83,000 |
| Net income | 399,000 | 742,000 | 1,175,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,944,000 | 15,120,000 | 15,479,000 | 15,347,000 |
| Total capital | 15,555,000 | 15,761,000 | 16,126,000 | 15,989,000 |
| Risk-weighted assets | 48,331,000 | 50,827,000 | 51,325,000 | 50,828,000 |