Call reports 2015
FIRST NATIONAL BANK & TRUST — 2015
What FIRST NATIONAL BANK & TRUST 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 | 321,157,000 | 308,907,000 | 322,670,000 | 319,204,000 |
| Total loans | 177,246,000 | 173,784,000 | 169,960,000 | 166,708,000 |
| Allowance for loan losses | 2,374,000 | 2,365,000 | 1,738,000 | 1,866,000 |
| Securities available for sale | 110,837,000 | 110,505,000 | 111,127,000 | 116,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,376,000 | 263,129,000 | 274,455,000 | 272,692,000 |
| Interest-bearing deposits | 187,524,000 | 180,463,000 | 190,327,000 | 185,386,000 |
| Noninterest-bearing deposits | 83,852,000 | 82,666,000 | 84,128,000 | 87,306,000 |
| Equity capital | 28,559,000 | 28,167,000 | 28,752,000 | 28,606,000 |
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 | 2,830,000 | 5,692,000 | 8,531,000 | 11,424,000 |
| Interest expense | 404,000 | 750,000 | 1,071,000 | 1,382,000 |
| Net interest income | 2,426,000 | 4,942,000 | 7,460,000 | 10,042,000 |
| Noninterest income | 496,000 | 1,076,000 | 1,615,000 | 2,161,000 |
| Noninterest expense | 2,308,000 | 4,663,000 | 7,003,000 | 9,311,000 |
| Provision for loan losses | 123,000 | 248,000 | 373,000 | 500,000 |
| Pretax income | 486,000 | 1,103,000 | 1,713,000 | 2,500,000 |
| Income tax | 60,000 | 170,000 | 270,000 | 480,000 |
| Net income | 426,000 | 933,000 | 1,443,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,145,000 | 26,339,000 | 26,588,000 | 26,580,000 |
| Total capital | 28,519,000 | 28,704,000 | 28,326,000 | 28,446,000 |
| Risk-weighted assets | 218,007,000 | 215,865,000 | 212,766,000 | 210,925,000 |