Call reports 2012
FIRST NATIONAL BANK OF LACON — 2012
What FIRST NATIONAL BANK OF LACON 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 | 61,766,000 | 68,365,000 | 69,772,000 | 61,645,000 |
| Total loans | 41,043,000 | 42,048,000 | 43,308,000 | 44,060,000 |
| Allowance for loan losses | 426,000 | 423,000 | 452,000 | 454,000 |
| Securities available for sale | 4,773,000 | 3,706,000 | 4,219,000 | 5,225,000 |
| Securities held to maturity | 2,000,000 | 3,999,000 | 2,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,792,000 | 60,322,000 | 61,622,000 | 53,633,000 |
| Interest-bearing deposits | 43,767,000 | 50,371,000 | 50,792,000 | 43,717,000 |
| Noninterest-bearing deposits | 10,025,000 | 9,951,000 | 10,830,000 | 9,916,000 |
| Equity capital | 5,295,000 | 5,334,000 | 5,389,000 | 5,392,000 |
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 | 634,000 | 1,266,000 | 1,902,000 | 2,529,000 |
| Interest expense | 88,000 | 168,000 | 243,000 | 308,000 |
| Net interest income | 546,000 | 1,098,000 | 1,659,000 | 2,221,000 |
| Noninterest income | 24,000 | 50,000 | 76,000 | 112,000 |
| Noninterest expense | 402,000 | 806,000 | 1,177,000 | 1,593,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 80,000 |
| Pretax income | 168,000 | 317,000 | 508,000 | 661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 168,000 | 317,000 | 508,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,091,000 | 5,115,000 | 5,156,000 | 5,174,000 |
| Total capital | 5,517,000 | 5,538,000 | 5,608,000 | 5,628,000 |
| Risk-weighted assets | 41,411,000 | 42,227,000 | 44,084,000 | 44,316,000 |