Call reports 2018
FIRST NATIONAL BANK OF GIRARD — 2018
What FIRST NATIONAL BANK OF GIRARD reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 79,488,000 | 81,038,000 | 79,655,000 | 82,293,000 |
| Total loans | 49,249,000 | 49,019,000 | 48,932,000 | 49,089,000 |
| Allowance for loan losses | 789,000 | 800,000 | 804,000 | 752,000 |
| Securities available for sale | 27,113,000 | 27,230,000 | 26,671,000 | 24,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,684,000 | 67,444,000 | 63,690,000 | 67,701,000 |
| Interest-bearing deposits | 52,698,000 | 54,710,000 | 50,313,000 | 54,529,000 |
| Noninterest-bearing deposits | 12,986,000 | 12,734,000 | 13,377,000 | 13,172,000 |
| Equity capital | 8,794,000 | 8,765,000 | 8,787,000 | 8,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,569,000 | 2,379,000 | 3,202,000 |
| Interest expense | 107,000 | 222,000 | 345,000 | 491,000 |
| Net interest income | 675,000 | 1,347,000 | 2,034,000 | 2,711,000 |
| Noninterest income | 46,000 | 92,000 | 129,000 | 168,000 |
| Noninterest expense | 503,000 | 986,000 | 1,488,000 | 2,023,000 |
| Provision for loan losses | 6,000 | 85,000 | 95,000 | 177,000 |
| Pretax income | 212,000 | 368,000 | 580,000 | 679,000 |
| Income tax | 9,000 | 15,000 | 24,000 | 4,000 |
| Net income | 203,000 | 353,000 | 556,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,964,000 | 9,192,000 | 9,022,000 | 9,020,000 |
| Total capital | 9,580,000 | 9,805,000 | 9,634,000 | 9,629,000 |
| Risk-weighted assets | 49,105,000 | 48,818,000 | 48,765,000 | 48,580,000 |