Call reports 2012
FIRST NATIONAL BANK OF EMORY, THE — 2012
What FIRST NATIONAL BANK OF EMORY, 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 | 105,218,000 | 103,654,000 | 102,759,000 | 106,026,000 |
| Total loans | 35,142,000 | 33,963,000 | 35,056,000 | 34,001,000 |
| Allowance for loan losses | 1,238,000 | 1,271,000 | 1,290,000 | 966,000 |
| Securities available for sale | 61,125,000 | 59,811,000 | 56,692,000 | 60,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,667,000 | 81,786,000 | 80,412,000 | 84,090,000 |
| Interest-bearing deposits | 60,945,000 | 59,261,000 | 57,296,000 | 58,634,000 |
| Noninterest-bearing deposits | 22,722,000 | 22,525,000 | 23,116,000 | 25,456,000 |
| Equity capital | 13,694,000 | 13,960,000 | 14,330,000 | 14,064,000 |
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 | 966,000 | 1,897,000 | 2,794,000 | 3,659,000 |
| Interest expense | 179,000 | 346,000 | 504,000 | 649,000 |
| Net interest income | 787,000 | 1,551,000 | 2,290,000 | 3,010,000 |
| Noninterest income | 166,000 | 336,000 | 528,000 | 696,000 |
| Noninterest expense | 625,000 | 1,262,000 | 1,888,000 | 2,449,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 298,000 | 565,000 | 840,000 | 1,167,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 565,000 | 840,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,280,000 | 11,505,000 | 11,738,000 | 11,692,000 |
| Total capital | 11,778,000 | 11,981,000 | 12,212,000 | 12,169,000 |
| Risk-weighted assets | 39,111,000 | 37,248,000 | 37,064,000 | 37,693,000 |