Call reports 2013
FIRST NATIONAL BANK OF LACON — 2013
What FIRST NATIONAL BANK OF LACON 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 | 60,140,000 | 67,426,000 | 59,698,000 | 58,525,000 |
| Total loans | 40,257,000 | 40,681,000 | 41,181,000 | 42,013,000 |
| Allowance for loan losses | 461,000 | 459,000 | 455,000 | 455,000 |
| Securities available for sale | 5,205,000 | 3,640,000 | 3,074,000 | 3,564,000 |
| Securities held to maturity | 1,000,000 | 4,765,000 | 5,761,000 | 4,757,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,568,000 | 61,656,000 | 54,213,000 | 53,164,000 |
| Interest-bearing deposits | 44,036,000 | 52,570,000 | 44,391,000 | 43,474,000 |
| Noninterest-bearing deposits | 10,532,000 | 9,086,000 | 9,822,000 | 9,690,000 |
| Equity capital | 5,508,000 | 5,663,000 | 5,335,000 | 5,344,000 |
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 | 598,000 | 1,142,000 | 1,720,000 | 2,291,000 |
| Interest expense | 53,000 | 99,000 | 142,000 | 181,000 |
| Net interest income | 545,000 | 1,043,000 | 1,578,000 | 2,110,000 |
| Noninterest income | 24,000 | 188,000 | 218,000 | 252,000 |
| Noninterest expense | 378,000 | 784,000 | 1,207,000 | 1,625,000 |
| Provision for loan losses | 50,000 | 50,000 | 500,000 | 575,000 |
| Pretax income | 141,000 | 397,000 | 143,000 | 216,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 397,000 | 143,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,306,000 | 5,506,000 | 5,242,000 | 5,260,000 |
| Total capital | 5,767,000 | 5,965,000 | 5,697,000 | 5,715,000 |
| Risk-weighted assets | 40,440,000 | 41,123,000 | 41,312,000 | 42,616,000 |