Call reports 2010
FIRST NATIONAL BANK OF GIRARD — 2010
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 72,038,000 | 71,130,000 | 70,668,000 | 75,312,000 |
| Total loans | 41,016,000 | 41,450,000 | 41,347,000 | 43,017,000 |
| Allowance for loan losses | 645,000 | 683,000 | 724,000 | 746,000 |
| Securities available for sale | 26,469,000 | 25,847,000 | 25,047,000 | 25,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,171,000 | 55,101,000 | 56,184,000 | 58,453,000 |
| Interest-bearing deposits | 48,662,000 | 46,497,000 | 46,311,000 | 48,099,000 |
| Noninterest-bearing deposits | 8,509,000 | 8,604,000 | 9,873,000 | 10,353,000 |
| Equity capital | 7,583,000 | 7,714,000 | 7,744,000 | 7,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,681,000 | 2,493,000 | 3,306,000 |
| Interest expense | 230,000 | 450,000 | 654,000 | 838,000 |
| Net interest income | 611,000 | 1,231,000 | 1,839,000 | 2,468,000 |
| Noninterest income | 78,000 | 160,000 | 223,000 | 307,000 |
| Noninterest expense | 426,000 | 826,000 | 1,256,000 | 1,764,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 218,000 | 475,000 | 671,000 | 831,000 |
| Income tax | 9,000 | 18,000 | 25,000 | 25,000 |
| Net income | 209,000 | 457,000 | 646,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,516,000 | 7,580,000 | 7,588,000 | 7,598,000 |
| Total capital | 8,050,000 | 8,114,000 | 8,123,000 | 8,159,000 |
| Risk-weighted assets | 42,673,000 | 42,586,000 | 42,575,000 | 44,675,000 |
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