Call reports 2015
FIRST NATURALSTATE BANK — 2015
What FIRST NATURALSTATE BANK 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 | 55,289,000 | 52,019,000 | 53,893,000 | 51,471,000 |
| Total loans | 19,650,000 | 21,602,000 | 21,018,000 | 18,939,000 |
| Allowance for loan losses | 149,000 | 160,000 | 170,000 | 179,000 |
| Securities available for sale | 24,159,000 | 23,240,000 | 22,745,000 | 23,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,949,000 | 45,824,000 | 47,476,000 | 45,342,000 |
| Interest-bearing deposits | 29,266,000 | 28,851,000 | 28,992,000 | 29,886,000 |
| Noninterest-bearing deposits | 19,683,000 | 16,973,000 | 18,484,000 | 15,456,000 |
| Equity capital | 6,187,000 | 6,118,000 | 6,296,000 | 6,055,000 |
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 | 390,000 | 791,000 | 1,199,000 | 1,591,000 |
| Interest expense | 34,000 | 68,000 | 102,000 | 137,000 |
| Net interest income | 356,000 | 723,000 | 1,097,000 | 1,454,000 |
| Noninterest income | 68,000 | 118,000 | 169,000 | 216,000 |
| Noninterest expense | 322,000 | 646,000 | 982,000 | 1,336,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 93,000 | 177,000 | 257,000 | 298,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 177,000 | 257,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,999,000 | 6,083,000 | 6,162,000 | 5,993,000 |
| Total capital | 6,148,000 | 6,243,000 | 6,332,000 | 6,172,000 |
| Risk-weighted assets | 25,745,000 | 26,365,000 | 26,292,000 | 24,255,000 |