Call reports 2012
FIRST NATIONAL BANK OF WELLSTON, THE — 2012
What FIRST NATIONAL BANK OF WELLSTON, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,809,000 | 93,690,000 | 93,880,000 | 95,955,000 |
| Total loans | 59,528,000 | 58,616,000 | 57,681,000 | 57,859,000 |
| Allowance for loan losses | 493,000 | 566,000 | 618,000 | 618,000 |
| Securities available for sale | 23,335,000 | 24,325,000 | 24,158,000 | 23,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,578,000 | 81,284,000 | 81,313,000 | 83,553,000 |
| Interest-bearing deposits | 74,603,000 | 73,786,000 | 73,302,000 | 74,106,000 |
| Noninterest-bearing deposits | 7,975,000 | 7,498,000 | 8,011,000 | 9,448,000 |
| Equity capital | 11,769,000 | 11,899,000 | 12,000,000 | 11,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,170,000 | 2,228,000 | 3,326,000 | 4,394,000 |
| Interest expense | 196,000 | 364,000 | 523,000 | 676,000 |
| Net interest income | 974,000 | 1,864,000 | 2,803,000 | 3,718,000 |
| Noninterest income | 25,000 | 105,000 | 211,000 | 322,000 |
| Noninterest expense | 855,000 | 1,638,000 | 2,487,000 | 3,315,000 |
| Provision for loan losses | 180,000 | 300,000 | 420,000 | 475,000 |
| Pretax income | -36,000 | 101,000 | 212,000 | 355,000 |
| Income tax | -9,000 | 15,000 | 38,000 | 68,000 |
| Net income | -27,000 | 86,000 | 174,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,361,000 | 11,474,000 | 11,561,000 | 11,474,000 |
| Total capital | 11,854,000 | 12,040,000 | 12,152,000 | 12,072,000 |
| Risk-weighted assets | 49,497,000 | 48,157,000 | 47,256,000 | 47,798,000 |