Call reports 2014
FIRST NATIONAL BANK OF GIRARD — 2014
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,847,000 | 76,917,000 | 76,401,000 | 78,944,000 |
| Total loans | 46,044,000 | 45,866,000 | 47,126,000 | 49,663,000 |
| Allowance for loan losses | 831,000 | 840,000 | 828,000 | 848,000 |
| Securities available for sale | 21,901,000 | 25,097,000 | 25,940,000 | 26,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,876,000 | 62,856,000 | 61,557,000 | 63,680,000 |
| Interest-bearing deposits | 48,706,000 | 52,942,000 | 51,881,000 | 54,641,000 |
| Noninterest-bearing deposits | 9,170,000 | 9,914,000 | 9,676,000 | 9,039,000 |
| Equity capital | 8,098,000 | 8,246,000 | 8,285,000 | 8,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,448,000 | 2,185,000 | 2,947,000 |
| Interest expense | 87,000 | 164,000 | 242,000 | 321,000 |
| Net interest income | 640,000 | 1,284,000 | 1,943,000 | 2,626,000 |
| Noninterest income | 54,000 | 155,000 | 204,000 | 238,000 |
| Noninterest expense | 465,000 | 913,000 | 1,403,000 | 1,935,000 |
| Provision for loan losses | 8,000 | 15,000 | 18,000 | 36,000 |
| Pretax income | 221,000 | 511,000 | 726,000 | 893,000 |
| Income tax | 8,000 | 20,000 | 27,000 | 38,000 |
| Net income | 213,000 | 491,000 | 699,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,077,000 | 8,185,000 | 8,262,000 | 8,279,000 |
| Total capital | 8,638,000 | 8,758,000 | 8,846,000 | 8,897,000 |
| Risk-weighted assets | 44,637,000 | 45,595,000 | 46,444,000 | 49,231,000 |