Call reports 2012
FIRST NATIONAL BANK OF GIRARD — 2012
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,669,000 | 74,755,000 | 72,657,000 | 75,869,000 |
| Total loans | 39,329,000 | 42,775,000 | 43,019,000 | 44,976,000 |
| Allowance for loan losses | 833,000 | 804,000 | 799,000 | 823,000 |
| Securities available for sale | 27,638,000 | 27,375,000 | 24,774,000 | 25,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,649,000 | 62,748,000 | 60,257,000 | 63,477,000 |
| Interest-bearing deposits | 50,747,000 | 53,708,000 | 50,995,000 | 52,319,000 |
| Noninterest-bearing deposits | 8,902,000 | 9,040,000 | 9,262,000 | 11,158,000 |
| Equity capital | 7,958,000 | 7,973,000 | 7,958,000 | 7,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 707,000 | 1,433,000 | 2,153,000 | 2,871,000 |
| Interest expense | 134,000 | 262,000 | 378,000 | 490,000 |
| Net interest income | 573,000 | 1,171,000 | 1,775,000 | 2,381,000 |
| Noninterest income | 74,000 | 142,000 | 210,000 | 278,000 |
| Noninterest expense | 398,000 | 817,000 | 1,310,000 | 1,833,000 |
| Provision for loan losses | 45,000 | 90,000 | 133,000 | 150,000 |
| Pretax income | 204,000 | 406,000 | 542,000 | 676,000 |
| Income tax | 7,000 | 15,000 | 20,000 | 26,000 |
| Net income | 197,000 | 391,000 | 522,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,833,000 | 7,862,000 | 7,818,000 | 7,866,000 |
| Total capital | 8,347,000 | 8,405,000 | 8,359,000 | 8,434,000 |
| Risk-weighted assets | 40,027,000 | 42,418,000 | 42,292,000 | 44,419,000 |