Call reports 2012
FIRST NATIONAL BANK OF CARMI, THE — 2012
What FIRST NATIONAL BANK OF CARMI, 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 | 385,804,000 | 375,912,000 | 371,790,000 | 380,560,000 |
| Total loans | 205,290,000 | 213,660,000 | 223,005,000 | 238,924,000 |
| Allowance for loan losses | 2,474,000 | 2,183,000 | 2,547,000 | 2,239,000 |
| Securities available for sale | 70,310,000 | 76,583,000 | 76,112,000 | 66,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,983,000 | 339,455,000 | 335,572,000 | 344,357,000 |
| Interest-bearing deposits | 319,949,000 | 315,715,000 | 310,869,000 | 316,706,000 |
| Noninterest-bearing deposits | 25,034,000 | 23,740,000 | 24,703,000 | 27,651,000 |
| Equity capital | 33,955,000 | 34,458,000 | 34,709,000 | 34,530,000 |
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 | 3,340,000 | 6,729,000 | 10,130,000 | 13,451,000 |
| Interest expense | 616,000 | 1,203,000 | 1,695,000 | 2,157,000 |
| Net interest income | 2,724,000 | 5,526,000 | 8,435,000 | 11,294,000 |
| Noninterest income | 445,000 | 1,464,000 | 2,474,000 | 3,655,000 |
| Noninterest expense | 2,435,000 | 5,083,000 | 7,980,000 | 11,651,000 |
| Provision for loan losses | 89,000 | 319,000 | 988,000 | 1,497,000 |
| Pretax income | 645,000 | 1,588,000 | 1,941,000 | 1,801,000 |
| Income tax | 287,000 | 626,000 | 618,000 | 515,000 |
| Net income | 358,000 | 962,000 | 1,323,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,609,000 | 31,008,000 | 31,197,000 | 31,019,000 |
| Total capital | 33,083,000 | 33,191,000 | 33,744,000 | 33,258,000 |
| Risk-weighted assets | 231,827,000 | 241,316,000 | 245,971,000 | 268,497,000 |