Call reports 2012
FNB COWETA — 2012
What FNB COWETA 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 | 68,458,000 | 68,622,000 | 68,215,000 | 67,772,000 |
| Total loans | 27,348,000 | 25,861,000 | 25,384,000 | 25,535,000 |
| Allowance for loan losses | 434,000 | 431,000 | 467,000 | 455,000 |
| Securities available for sale | 2,478,000 | 34,766,000 | 34,878,000 | 33,327,000 |
| Securities held to maturity | 24,400,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,007,000 | 62,821,000 | 62,153,000 | 61,937,000 |
| Interest-bearing deposits | 50,075,000 | 48,878,000 | 47,976,000 | 46,558,000 |
| Noninterest-bearing deposits | 12,932,000 | 13,943,000 | 14,177,000 | 15,379,000 |
| Equity capital | 5,349,000 | 5,694,000 | 5,907,000 | 5,804,000 |
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 | 631,000 | 1,224,000 | 1,793,000 | 2,413,000 |
| Interest expense | 74,000 | 144,000 | 199,000 | 248,000 |
| Net interest income | 557,000 | 1,080,000 | 1,594,000 | 2,165,000 |
| Noninterest income | 150,000 | 291,000 | 430,000 | 564,000 |
| Noninterest expense | 662,000 | 1,302,000 | 1,825,000 | 2,470,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 40,000 | 131,000 | 247,000 | 324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 131,000 | 247,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,311,000 | 5,401,000 | 5,483,000 | 5,476,000 |
| Total capital | 5,732,000 | 5,809,000 | 5,889,000 | 5,845,000 |
| Risk-weighted assets | 33,700,000 | 32,632,000 | 32,409,000 | 29,434,000 |