Call reports 2012
FIRST NATIONAL BANK OF MCHENRY, THE — 2012
What FIRST NATIONAL BANK OF MCHENRY, 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 | 156,671,000 | 158,511,000 | 158,348,000 | 154,059,000 |
| Total loans | 60,573,000 | 59,076,000 | 57,757,000 | 55,993,000 |
| Allowance for loan losses | 959,000 | 1,034,000 | 1,031,000 | 1,059,000 |
| Securities available for sale | 82,854,000 | 83,089,000 | 83,274,000 | 83,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,832,000 | 140,943,000 | 140,280,000 | 136,123,000 |
| Interest-bearing deposits | 99,880,000 | 100,208,000 | 99,054,000 | 98,863,000 |
| Noninterest-bearing deposits | 38,952,000 | 40,735,000 | 41,226,000 | 37,260,000 |
| Equity capital | 15,112,000 | 15,041,000 | 15,423,000 | 15,371,000 |
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 | 1,459,000 | 2,838,000 | 4,160,000 | 5,463,000 |
| Interest expense | 203,000 | 391,000 | 567,000 | 733,000 |
| Net interest income | 1,256,000 | 2,447,000 | 3,593,000 | 4,730,000 |
| Noninterest income | 182,000 | 327,000 | 346,000 | 554,000 |
| Noninterest expense | 1,129,000 | 2,219,000 | 3,341,000 | 4,451,000 |
| Provision for loan losses | 75,000 | 694,000 | 694,000 | 694,000 |
| Pretax income | 292,000 | 288,000 | 622,000 | 857,000 |
| Income tax | 64,000 | 8,000 | 104,000 | 138,000 |
| Net income | 228,000 | 280,000 | 518,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,220,000 | 14,191,000 | 14,411,000 | 14,439,000 |
| Total capital | 15,155,000 | 15,134,000 | 15,313,000 | 15,313,000 |
| Risk-weighted assets | 74,842,000 | 75,387,000 | 72,036,000 | 69,990,000 |