Call reports 2013
FIRST NATIONAL BANK OF CARMI, THE — 2013
What FIRST NATIONAL BANK OF CARMI, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 395,964,000 | 388,385,000 | 377,772,000 | 380,150,000 |
| Total loans | 235,016,000 | 249,945,000 | 266,873,000 | 267,933,000 |
| Allowance for loan losses | 2,468,000 | 2,662,000 | 2,774,000 | 2,838,000 |
| Securities available for sale | 62,673,000 | 74,152,000 | 67,880,000 | 64,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,488,000 | 351,497,000 | 341,698,000 | 345,036,000 |
| Interest-bearing deposits | 331,820,000 | 325,199,000 | 316,660,000 | 318,674,000 |
| Noninterest-bearing deposits | 27,668,000 | 26,298,000 | 25,038,000 | 26,362,000 |
| Equity capital | 34,976,000 | 35,034,000 | 34,776,000 | 33,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,723,000 | 7,106,000 | 10,529,000 | 14,070,000 |
| Interest expense | 436,000 | 867,000 | 1,291,000 | 1,705,000 |
| Net interest income | 3,287,000 | 6,239,000 | 9,238,000 | 12,365,000 |
| Noninterest income | 804,000 | 1,938,000 | 2,739,000 | 3,970,000 |
| Noninterest expense | 2,670,000 | 5,534,000 | 8,864,000 | 12,720,000 |
| Provision for loan losses | 246,000 | 438,000 | 586,000 | 671,000 |
| Pretax income | 1,175,000 | 2,205,000 | 2,527,000 | 2,944,000 |
| Income tax | 433,000 | 806,000 | 892,000 | 978,000 |
| Net income | 742,000 | 1,399,000 | 1,635,000 | 1,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,580,000 | 32,101,000 | 32,158,000 | 31,618,000 |
| Total capital | 34,048,000 | 34,763,000 | 34,932,000 | 34,456,000 |
| Risk-weighted assets | 266,546,000 | 279,764,000 | 296,492,000 | 294,434,000 |