Call reports 2010
FIRST NATIONAL BANK OF EMORY, THE — 2010
What FIRST NATIONAL BANK OF EMORY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 103,779,000 | 100,603,000 | 101,376,000 | 99,977,000 |
| Total loans | 42,098,000 | 41,115,000 | 40,124,000 | 39,558,000 |
| Allowance for loan losses | 956,000 | 1,034,000 | 1,081,000 | 1,069,000 |
| Securities available for sale | 53,480,000 | 47,942,000 | 47,063,000 | 42,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,550,000 | 81,126,000 | 79,988,000 | 79,684,000 |
| Interest-bearing deposits | 66,868,000 | 62,035,000 | 60,955,000 | 61,859,000 |
| Noninterest-bearing deposits | 17,682,000 | 19,091,000 | 19,033,000 | 17,825,000 |
| Equity capital | 11,724,000 | 11,922,000 | 12,624,000 | 11,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,188,000 | 3,315,000 | 4,423,000 |
| Interest expense | 286,000 | 555,000 | 810,000 | 1,057,000 |
| Net interest income | 816,000 | 1,633,000 | 2,505,000 | 3,366,000 |
| Noninterest income | 154,000 | 325,000 | 485,000 | 674,000 |
| Noninterest expense | 637,000 | 1,261,000 | 1,918,000 | 2,541,000 |
| Provision for loan losses | 88,000 | 166,000 | 224,000 | 227,000 |
| Pretax income | 297,000 | 583,000 | 900,000 | 1,324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 583,000 | 900,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,971,000 | 10,167,000 | 10,413,000 | 10,267,000 |
| Total capital | 10,541,000 | 10,718,000 | 10,953,000 | 10,777,000 |
| Risk-weighted assets | 45,231,000 | 43,641,000 | 42,734,000 | 40,342,000 |