Call reports 2015
FIRST NATIONAL BANK OF EMORY, THE — 2015
What FIRST NATIONAL BANK OF EMORY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 114,851,000 | 112,281,000 | 112,024,000 | 110,836,000 |
| Total loans | 34,894,000 | 34,250,000 | 34,029,000 | 35,209,000 |
| Allowance for loan losses | 795,000 | 795,000 | 791,000 | 789,000 |
| Securities available for sale | 51,773,000 | 51,654,000 | 50,384,000 | 48,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,320,000 | 91,962,000 | 92,144,000 | 93,614,000 |
| Interest-bearing deposits | 56,900,000 | 56,342,000 | 54,912,000 | 55,545,000 |
| Noninterest-bearing deposits | 37,420,000 | 35,620,000 | 37,233,000 | 38,070,000 |
| Equity capital | 13,954,000 | 13,667,000 | 14,191,000 | 13,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,656,000 | 2,445,000 | 3,230,000 |
| Interest expense | 98,000 | 198,000 | 287,000 | 374,000 |
| Net interest income | 732,000 | 1,458,000 | 2,158,000 | 2,856,000 |
| Noninterest income | 185,000 | 385,000 | 587,000 | 788,000 |
| Noninterest expense | 661,000 | 1,296,000 | 1,922,000 | 2,632,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 14,000 |
| Pretax income | 256,000 | 542,000 | 823,000 | 1,003,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 256,000 | 542,000 | 823,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,234,000 | 12,498,000 | 12,748,000 | 12,423,000 |
| Total capital | 12,706,000 | 12,977,000 | 13,214,000 | 12,899,000 |
| Risk-weighted assets | 37,406,000 | 38,019,000 | 36,992,000 | 37,737,000 |