Call reports 2012
FIRST NATIONAL BANK OF VOLGA, THE — 2012
What FIRST NATIONAL BANK OF VOLGA, 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 | 44,384,000 | 45,132,000 | 45,449,000 | 47,403,000 |
| Total loans | 27,455,000 | 30,043,000 | 30,275,000 | 29,541,000 |
| Allowance for loan losses | 437,000 | 513,000 | 516,000 | 514,000 |
| Securities available for sale | 7,051,000 | 6,660,000 | 6,250,000 | 5,764,000 |
| Securities held to maturity | 268,000 | 265,000 | 262,000 | 259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,762,000 | 40,422,000 | 40,260,000 | 42,554,000 |
| Interest-bearing deposits | 33,380,000 | 34,065,000 | 33,645,000 | 33,192,000 |
| Noninterest-bearing deposits | 6,382,000 | 6,357,000 | 6,615,000 | 9,362,000 |
| Equity capital | 4,512,000 | 4,628,000 | 5,083,000 | 4,752,000 |
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 | 482,000 | 989,000 | 1,498,000 | 1,977,000 |
| Interest expense | 115,000 | 215,000 | 312,000 | 403,000 |
| Net interest income | 367,000 | 774,000 | 1,186,000 | 1,574,000 |
| Noninterest income | -11,000 | 25,000 | 317,000 | 335,000 |
| Noninterest expense | 299,000 | 605,000 | 892,000 | 1,244,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 51,000 | 186,000 | 603,000 | 657,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 36,000 |
| Net income | 46,000 | 177,000 | 589,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,343,000 | 4,417,000 | 4,828,000 | 4,539,000 |
| Total capital | 4,707,000 | 4,807,000 | 5,227,000 | 4,934,000 |
| Risk-weighted assets | 29,047,000 | 31,072,000 | 31,798,000 | 31,498,000 |