Call reports 2012
FIRST NATIONAL BANK OF BYERS, THE — 2012
What FIRST NATIONAL BANK OF BYERS, 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 | 103,352,000 | 98,765,000 | 95,793,000 | 99,886,000 |
| Total loans | 52,917,000 | 49,042,000 | 49,524,000 | 53,132,000 |
| Allowance for loan losses | 795,000 | 837,000 | 810,000 | 774,000 |
| Securities available for sale | 21,141,000 | 19,815,000 | 19,959,000 | 16,461,000 |
| Securities held to maturity | 730,000 | 730,000 | 635,000 | 635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,890,000 | 88,141,000 | 84,911,000 | 89,119,000 |
| Interest-bearing deposits | 56,088,000 | 51,465,000 | 48,550,000 | 48,069,000 |
| Noninterest-bearing deposits | 36,802,000 | 36,677,000 | 36,361,000 | 41,049,000 |
| Equity capital | 10,312,000 | 10,421,000 | 10,551,000 | 10,705,000 |
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 | 932,000 | 1,841,000 | 2,700,000 | 3,588,000 |
| Interest expense | 56,000 | 98,000 | 122,000 | 140,000 |
| Net interest income | 876,000 | 1,743,000 | 2,578,000 | 3,448,000 |
| Noninterest income | 147,000 | 302,000 | 446,000 | 681,000 |
| Noninterest expense | 902,000 | 1,769,000 | 2,581,000 | 3,417,000 |
| Provision for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Pretax income | 74,000 | 229,000 | 396,000 | 665,000 |
| Income tax | 19,000 | 67,000 | 118,000 | 210,000 |
| Net income | 55,000 | 162,000 | 278,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,254,000 | 10,361,000 | 10,476,000 | 10,643,000 |
| Total capital | 11,008,000 | 11,068,000 | 11,192,000 | 11,397,000 |
| Risk-weighted assets | 60,246,000 | 56,425,000 | 57,169,000 | 60,263,000 |