Call reports 2015
FIRST NATIONAL BANK OF GIRARD — 2015
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,261,000 | 80,647,000 | 77,483,000 | 80,762,000 |
| Total loans | 47,929,000 | 47,178,000 | 47,491,000 | 50,152,000 |
| Allowance for loan losses | 855,000 | 854,000 | 810,000 | 819,000 |
| Securities available for sale | 26,620,000 | 29,002,000 | 26,750,000 | 27,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,281,000 | 66,313,000 | 63,171,000 | 66,727,000 |
| Interest-bearing deposits | 53,786,000 | 56,764,000 | 52,823,000 | 57,223,000 |
| Noninterest-bearing deposits | 11,495,000 | 9,549,000 | 10,348,000 | 9,504,000 |
| Equity capital | 8,418,000 | 8,407,000 | 8,567,000 | 8,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 776,000 | 1,525,000 | 2,276,000 | 3,064,000 |
| Interest expense | 77,000 | 157,000 | 239,000 | 324,000 |
| Net interest income | 699,000 | 1,368,000 | 2,037,000 | 2,740,000 |
| Noninterest income | 43,000 | 82,000 | 135,000 | 184,000 |
| Noninterest expense | 492,000 | 948,000 | 1,431,000 | 1,970,000 |
| Provision for loan losses | 8,000 | 9,000 | 12,000 | 24,000 |
| Pretax income | 242,000 | 493,000 | 729,000 | 930,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 38,000 |
| Net income | 233,000 | 475,000 | 702,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,328,000 | 8,389,000 | 8,482,000 | 8,546,000 |
| Total capital | 8,934,000 | 8,994,000 | 9,080,000 | 9,173,000 |
| Risk-weighted assets | 48,269,000 | 48,165,000 | 47,654,000 | 50,015,000 |