Call reports 2011
FIRST NATIONAL BANK OF BYERS, THE — 2011
What FIRST NATIONAL BANK OF BYERS, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 94,682,000 | 96,282,000 | 98,714,000 | 102,819,000 |
| Total loans | 54,352,000 | 52,059,000 | 51,590,000 | 54,014,000 |
| Allowance for loan losses | 761,000 | 742,000 | 760,000 | 750,000 |
| Securities available for sale | 16,273,000 | 15,967,000 | 15,397,000 | 17,438,000 |
| Securities held to maturity | 932,000 | 932,000 | 925,000 | 925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,374,000 | 85,727,000 | 88,138,000 | 92,511,000 |
| Interest-bearing deposits | 58,510,000 | 56,794,000 | 54,104,000 | 55,884,000 |
| Noninterest-bearing deposits | 25,865,000 | 28,933,000 | 34,034,000 | 36,627,000 |
| Equity capital | 10,184,000 | 10,284,000 | 10,263,000 | 10,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,952,000 | 2,855,000 | 3,776,000 |
| Interest expense | 87,000 | 168,000 | 234,000 | 289,000 |
| Net interest income | 860,000 | 1,784,000 | 2,621,000 | 3,487,000 |
| Noninterest income | 145,000 | 297,000 | 452,000 | 558,000 |
| Noninterest expense | 927,000 | 1,843,000 | 2,832,000 | 3,676,000 |
| Provision for loan losses | 0 | 16,000 | 31,000 | 86,000 |
| Pretax income | 78,000 | 222,000 | 210,000 | 283,000 |
| Income tax | 18,000 | 59,000 | 47,000 | 63,000 |
| Net income | 60,000 | 163,000 | 163,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,039,000 | 10,142,000 | 10,141,000 | 10,198,000 |
| Total capital | 10,789,000 | 10,862,000 | 10,867,000 | 10,948,000 |
| Risk-weighted assets | 60,003,000 | 57,562,000 | 58,057,000 | 60,871,000 |