Call reports 2011
FIRST NATIONAL BANK OF LACON — 2011
What FIRST NATIONAL BANK OF LACON 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 | 59,270,000 | 66,369,000 | 60,131,000 | 61,549,000 |
| Total loans | 39,124,000 | 41,857,000 | 41,818,000 | 44,928,000 |
| Allowance for loan losses | 405,000 | 421,000 | 408,000 | 419,000 |
| Securities available for sale | 10,118,000 | 10,270,000 | 9,326,000 | 7,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,304,000 | 58,718,000 | 52,340,000 | 53,634,000 |
| Interest-bearing deposits | 43,137,000 | 51,202,000 | 43,781,000 | 45,297,000 |
| Noninterest-bearing deposits | 8,167,000 | 7,516,000 | 8,559,000 | 8,337,000 |
| Equity capital | 4,775,000 | 4,932,000 | 5,023,000 | 5,287,000 |
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 | 668,000 | 1,359,000 | 2,065,000 | 2,753,000 |
| Interest expense | 123,000 | 245,000 | 352,000 | 451,000 |
| Net interest income | 545,000 | 1,114,000 | 1,713,000 | 2,302,000 |
| Noninterest income | 19,000 | 22,000 | 48,000 | 32,000 |
| Noninterest expense | 390,000 | 802,000 | 1,186,000 | 1,613,000 |
| Provision for loan losses | 25,000 | 45,000 | 115,000 | 125,000 |
| Pretax income | 149,000 | 289,000 | 460,000 | 597,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 289,000 | 460,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,734,000 | 4,735,000 | 4,767,000 | 5,063,000 |
| Total capital | 5,139,000 | 5,156,000 | 5,175,000 | 5,482,000 |
| Risk-weighted assets | 40,320,000 | 42,761,000 | 42,602,000 | 44,790,000 |