Call reports 2014
FIRST NATIONAL BANK OF CARMI, THE — 2014
What FIRST NATIONAL BANK OF CARMI, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 411,550,000 | 400,576,000 | 393,766,000 | 408,043,000 |
| Total loans | 260,853,000 | 279,243,000 | 286,300,000 | 283,853,000 |
| Allowance for loan losses | 2,836,000 | 2,988,000 | 3,005,000 | 3,212,000 |
| Securities available for sale | 62,124,000 | 58,417,000 | 56,488,000 | 54,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,111,000 | 363,960,000 | 357,076,000 | 371,835,000 |
| Interest-bearing deposits | 346,771,000 | 335,596,000 | 329,391,000 | 341,547,000 |
| Noninterest-bearing deposits | 28,340,000 | 28,364,000 | 27,685,000 | 30,288,000 |
| Equity capital | 34,772,000 | 35,411,000 | 35,776,000 | 35,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,490,000 | 7,107,000 | 10,755,000 | 14,559,000 |
| Interest expense | 404,000 | 811,000 | 1,221,000 | 1,624,000 |
| Net interest income | 3,086,000 | 6,296,000 | 9,534,000 | 12,935,000 |
| Noninterest income | 800,000 | 1,718,000 | 2,584,000 | 3,357,000 |
| Noninterest expense | 2,774,000 | 5,605,000 | 8,640,000 | 12,439,000 |
| Provision for loan losses | 0 | 128,000 | 326,000 | 526,000 |
| Pretax income | 1,112,000 | 2,281,000 | 3,171,000 | 3,346,000 |
| Income tax | 440,000 | 875,000 | 1,202,000 | 1,188,000 |
| Net income | 672,000 | 1,406,000 | 1,969,000 | 2,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,104,000 | 32,701,000 | 33,086,000 | 32,372,000 |
| Total capital | 34,940,000 | 35,689,000 | 36,091,000 | 35,584,000 |
| Risk-weighted assets | 289,918,000 | 305,407,000 | 310,135,000 | 307,830,000 |