Call reports 2014
FIRST NATIONAL BANK OF LACON — 2014
What FIRST NATIONAL BANK OF LACON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 58,819,000 | 66,198,000 | 64,069,000 | 64,392,000 |
| Total loans | 42,046,000 | 46,791,000 | 50,221,000 | 50,347,000 |
| Allowance for loan losses | 459,000 | 463,000 | 485,000 | 500,000 |
| Securities available for sale | 2,055,000 | 2,055,000 | 2,050,000 | 2,046,000 |
| Securities held to maturity | 4,253,000 | 4,276,000 | 4,271,000 | 4,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,308,000 | 60,702,000 | 56,464,000 | 55,443,000 |
| Interest-bearing deposits | 43,578,000 | 50,325,000 | 47,504,000 | 46,237,000 |
| Noninterest-bearing deposits | 9,730,000 | 10,377,000 | 8,960,000 | 9,206,000 |
| Equity capital | 5,440,000 | 5,390,000 | 5,429,000 | 5,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,154,000 | 1,781,000 | 2,433,000 |
| Interest expense | 37,000 | 74,000 | 113,000 | 156,000 |
| Net interest income | 519,000 | 1,080,000 | 1,668,000 | 2,277,000 |
| Noninterest income | 24,000 | 53,000 | 81,000 | 107,000 |
| Noninterest expense | 430,000 | 818,000 | 1,238,000 | 1,694,000 |
| Provision for loan losses | 0 | 120,000 | 145,000 | 155,000 |
| Pretax income | 113,000 | 195,000 | 366,000 | 535,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 113,000 | 195,000 | 366,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,365,000 | 5,318,000 | 5,364,000 | 5,372,000 |
| Total capital | 5,824,000 | 5,781,000 | 5,849,000 | 5,872,000 |
| Risk-weighted assets | 41,190,000 | 45,863,000 | 49,553,000 | 49,921,000 |