Call reports 2021
FIRST NATURALSTATE BANK — 2021
What FIRST NATURALSTATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 81,129,000 | 79,805,000 | 84,542,000 | 84,463,000 |
| Total loans | 50,659,000 | 54,149,000 | 56,811,000 | 56,298,000 |
| Allowance for loan losses | 542,000 | 539,000 | 539,000 | 1,139,000 |
| Securities available for sale | 11,975,000 | 13,125,000 | 14,159,000 | 15,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,393,000 | 71,908,000 | 74,606,000 | 75,337,000 |
| Interest-bearing deposits | 47,499,000 | 47,433,000 | 47,968,000 | 47,760,000 |
| Noninterest-bearing deposits | 25,894,000 | 24,475,000 | 26,638,000 | 27,577,000 |
| Equity capital | 7,510,000 | 7,712,000 | 9,162,000 | 8,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,430,000 | 2,212,000 | 2,993,000 |
| Interest expense | 88,000 | 170,000 | 251,000 | 330,000 |
| Net interest income | 608,000 | 1,260,000 | 1,961,000 | 2,663,000 |
| Noninterest income | 37,000 | 68,000 | 1,933,000 | 2,006,000 |
| Noninterest expense | 443,000 | 868,000 | 1,368,000 | 2,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 202,000 | 460,000 | 2,526,000 | 1,991,000 |
| Income tax | 37,000 | 118,000 | 706,000 | 740,000 |
| Net income | 165,000 | 342,000 | 1,820,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,412,000 | 7,589,000 | 9,067,000 | 8,295,000 |
| Total capital | 7,954,000 | 8,128,000 | 9,606,000 | 8,959,000 |
| Risk-weighted assets | 51,372,000 | 52,158,000 | 50,582,000 | 52,724,000 |