Call reports 2012
FIRST NATIONAL BANK OF PROCTOR, THE — 2012
What FIRST NATIONAL BANK OF PROCTOR, 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 | 25,000,000 | 24,407,000 | 24,292,000 | 23,686,000 |
| Total loans | 13,004,000 | 13,364,000 | 12,295,000 | 11,582,000 |
| Allowance for loan losses | 118,000 | 119,000 | 99,000 | 98,000 |
| Securities available for sale | 4,652,000 | 4,839,000 | 4,628,000 | 3,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,540,000 | 21,921,000 | 21,864,000 | 21,252,000 |
| Interest-bearing deposits | 18,714,000 | 15,110,000 | 14,361,000 | 17,394,000 |
| Noninterest-bearing deposits | 3,826,000 | 6,811,000 | 7,503,000 | 3,858,000 |
| Equity capital | 2,361,000 | 2,385,000 | 2,332,000 | 2,347,000 |
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 | 248,000 | 478,000 | 713,000 | 931,000 |
| Interest expense | 39,000 | 72,000 | 103,000 | 131,000 |
| Net interest income | 209,000 | 406,000 | 610,000 | 800,000 |
| Noninterest income | 15,000 | 34,000 | 51,000 | 70,000 |
| Noninterest expense | 222,000 | 426,000 | 673,000 | 877,000 |
| Provision for loan losses | 0 | 1,000 | 21,000 | 21,000 |
| Pretax income | 2,000 | 13,000 | -33,000 | -28,000 |
| Income tax | 4,000 | 1,000 | 0 | -9,000 |
| Net income | -2,000 | 12,000 | -33,000 | -19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,274,000 | 2,288,000 | 2,243,000 | 2,257,000 |
| Total capital | 2,392,000 | 2,407,000 | 2,342,000 | 2,355,000 |
| Risk-weighted assets | 11,664,000 | 11,922,000 | 11,400,000 | 11,208,000 |