Call reports 2013
FIRST NATIONAL BANK OF GIRARD — 2013
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 73,445,000 | 75,075,000 | 73,063,000 | 73,688,000 |
| Total loans | 44,691,000 | 46,310,000 | 46,450,000 | 47,944,000 |
| Allowance for loan losses | 833,000 | 802,000 | 811,000 | 821,000 |
| Securities available for sale | 25,153,000 | 23,305,000 | 23,652,000 | 23,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,691,000 | 61,745,000 | 58,783,000 | 59,866,000 |
| Interest-bearing deposits | 51,585,000 | 52,237,000 | 49,333,000 | 51,325,000 |
| Noninterest-bearing deposits | 9,106,000 | 9,508,000 | 9,450,000 | 8,541,000 |
| Equity capital | 7,993,000 | 7,890,000 | 7,991,000 | 8,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,424,000 | 2,147,000 | 2,886,000 |
| Interest expense | 102,000 | 199,000 | 294,000 | 391,000 |
| Net interest income | 618,000 | 1,225,000 | 1,853,000 | 2,495,000 |
| Noninterest income | 55,000 | 117,000 | 173,000 | 225,000 |
| Noninterest expense | 458,000 | 902,000 | 1,373,000 | 1,888,000 |
| Provision for loan losses | 8,000 | 18,000 | 30,000 | 38,000 |
| Pretax income | 207,000 | 422,000 | 623,000 | 794,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 32,000 |
| Net income | 199,000 | 405,000 | 597,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,891,000 | 7,926,000 | 7,994,000 | 8,039,000 |
| Total capital | 8,443,000 | 8,499,000 | 8,563,000 | 8,622,000 |
| Risk-weighted assets | 43,899,000 | 45,580,000 | 45,293,000 | 46,433,000 |