Call reports 2013
FIRST NATIONAL BANK OF BYERS, THE — 2013
What FIRST NATIONAL BANK OF BYERS, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 96,380,000 | 98,715,000 | 99,495,000 | 102,506,000 |
| Total loans | 53,598,000 | 51,261,000 | 51,466,000 | 51,484,000 |
| Allowance for loan losses | 758,000 | 709,000 | 801,000 | 0 |
| Securities available for sale | 14,463,000 | 15,294,000 | 16,719,000 | 15,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,472,000 | 87,758,000 | 88,347,000 | 88,501,000 |
| Interest-bearing deposits | 49,980,000 | 50,578,000 | 50,055,000 | 50,333,000 |
| Noninterest-bearing deposits | 35,492,000 | 37,181,000 | 38,293,000 | 38,169,000 |
| Equity capital | 10,783,000 | 10,751,000 | 10,827,000 | 13,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,752,000 | 2,630,000 | 0 |
| Interest expense | 17,000 | 32,000 | 46,000 | 0 |
| Net interest income | 857,000 | 1,720,000 | 2,584,000 | 0 |
| Noninterest income | 152,000 | 305,000 | 466,000 | 0 |
| Noninterest expense | 871,000 | 1,746,000 | 2,640,000 | 0 |
| Provision for loan losses | 24,000 | 68,000 | 105,000 | 0 |
| Pretax income | 114,000 | 211,000 | 305,000 | 0 |
| Income tax | 26,000 | 55,000 | 80,000 | 0 |
| Net income | 88,000 | 156,000 | 225,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,731,000 | 10,775,000 | 10,843,000 | 10,846,000 |
| Total capital | 11,478,000 | 11,484,000 | 11,581,000 | 10,846,000 |
| Risk-weighted assets | 59,789,000 | 58,230,000 | 58,964,000 | 58,120,000 |