Call reports 2012
FIRST NATIONAL BANK OF IZARD COUNTY — 2012
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 144,380,000 | 145,587,000 | 146,325,000 | 148,526,000 |
| Total loans | 74,472,000 | 72,716,000 | 70,092,000 | 68,804,000 |
| Allowance for loan losses | 925,000 | 930,000 | 479,000 | 480,000 |
| Securities available for sale | 14,019,000 | 12,393,000 | 12,512,000 | 14,066,000 |
| Securities held to maturity | 23,077,000 | 25,463,000 | 26,247,000 | 28,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,228,000 | 97,666,000 | 97,984,000 | 100,206,000 |
| Interest-bearing deposits | 74,376,000 | 74,893,000 | 75,680,000 | 75,889,000 |
| Noninterest-bearing deposits | 22,852,000 | 22,773,000 | 22,304,000 | 24,317,000 |
| Equity capital | 44,770,000 | 45,670,000 | 46,166,000 | 46,248,000 |
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 | 1,608,000 | 3,178,000 | 4,705,000 | 6,228,000 |
| Interest expense | 137,000 | 269,000 | 386,000 | 492,000 |
| Net interest income | 1,471,000 | 2,909,000 | 4,319,000 | 5,736,000 |
| Noninterest income | 366,000 | 639,000 | 913,000 | 1,157,000 |
| Noninterest expense | 777,000 | 1,559,000 | 2,339,000 | 3,733,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 200,000 |
| Pretax income | 1,060,000 | 1,989,000 | 2,693,000 | 2,963,000 |
| Income tax | 300,000 | 450,000 | 610,000 | 794,000 |
| Net income | 760,000 | 1,539,000 | 2,083,000 | 2,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,868,000 | 45,648,000 | 46,191,000 | 46,277,000 |
| Total capital | 45,793,000 | 46,578,000 | 46,670,000 | 46,757,000 |
| Risk-weighted assets | 85,194,000 | 83,923,000 | 81,893,000 | 81,706,000 |