Call reports 2011
FIRST NATIONAL BANK OF GIRARD — 2011
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 69,835,000 | 72,465,000 | 70,807,000 | 72,121,000 |
| Total loans | 39,219,000 | 40,475,000 | 40,421,000 | 40,921,000 |
| Allowance for loan losses | 789,000 | 771,000 | 740,000 | 788,000 |
| Securities available for sale | 27,212,000 | 26,490,000 | 26,511,000 | 25,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,655,000 | 61,091,000 | 58,633,000 | 59,953,000 |
| Interest-bearing deposits | 50,465,000 | 50,301,000 | 48,477,000 | 49,302,000 |
| Noninterest-bearing deposits | 8,190,000 | 10,790,000 | 10,156,000 | 10,651,000 |
| Equity capital | 7,721,000 | 7,876,000 | 7,920,000 | 7,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,554,000 | 2,345,000 | 3,111,000 |
| Interest expense | 168,000 | 331,000 | 486,000 | 632,000 |
| Net interest income | 611,000 | 1,223,000 | 1,859,000 | 2,479,000 |
| Noninterest income | 66,000 | 152,000 | 224,000 | 318,000 |
| Noninterest expense | 393,000 | 798,000 | 1,218,000 | 1,678,000 |
| Provision for loan losses | 45,000 | 75,000 | 120,000 | 180,000 |
| Pretax income | 239,000 | 502,000 | 745,000 | 939,000 |
| Income tax | 10,000 | 20,000 | 29,000 | 36,000 |
| Net income | 229,000 | 482,000 | 716,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,647,000 | 7,731,000 | 7,793,000 | 7,811,000 |
| Total capital | 8,152,000 | 8,246,000 | 8,307,000 | 8,343,000 |
| Risk-weighted assets | 40,091,000 | 40,972,000 | 40,871,000 | 41,551,000 |