Call reports 2016
FIRST NATIONAL BANK OF GIRARD — 2016
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 78,427,000 | 79,836,000 | 75,718,000 | 81,496,000 |
| Total loans | 49,423,000 | 50,091,000 | 49,376,000 | 49,508,000 |
| Allowance for loan losses | 838,000 | 839,000 | 824,000 | 825,000 |
| Securities available for sale | 25,781,000 | 25,793,000 | 23,803,000 | 25,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,688,000 | 64,101,000 | 59,958,000 | 66,471,000 |
| Interest-bearing deposits | 52,097,000 | 52,178,000 | 49,068,000 | 55,541,000 |
| Noninterest-bearing deposits | 10,591,000 | 11,923,000 | 10,890,000 | 10,930,000 |
| Equity capital | 8,708,000 | 8,846,000 | 8,856,000 | 8,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,592,000 | 2,363,000 | 3,117,000 |
| Interest expense | 91,000 | 184,000 | 276,000 | 371,000 |
| Net interest income | 708,000 | 1,408,000 | 2,087,000 | 2,746,000 |
| Noninterest income | 44,000 | 89,000 | 126,000 | 165,000 |
| Noninterest expense | 503,000 | 992,000 | 1,517,000 | 2,098,000 |
| Provision for loan losses | 3,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 258,000 | 508,000 | 699,000 | 816,000 |
| Income tax | 9,000 | 19,000 | 27,000 | 34,000 |
| Net income | 249,000 | 489,000 | 672,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,625,000 | 8,700,000 | 8,753,000 | 8,742,000 |
| Total capital | 9,236,000 | 9,317,000 | 9,352,000 | 9,355,000 |
| Risk-weighted assets | 48,729,000 | 49,199,000 | 47,734,000 | 48,844,000 |