Call reports 2015
FIRST NATIONAL BANK OF LACON — 2015
What FIRST NATIONAL BANK OF LACON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 63,509,000 | 70,651,000 | 62,656,000 | 62,736,000 |
| Total loans | 49,120,000 | 49,628,000 | 48,496,000 | 49,449,000 |
| Allowance for loan losses | 504,000 | 508,000 | 505,000 | 524,000 |
| Securities available for sale | 2,050,000 | 2,041,000 | 3,037,000 | 2,527,000 |
| Securities held to maturity | 4,263,000 | 3,258,000 | 2,254,000 | 1,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,485,000 | 61,547,000 | 53,437,000 | 54,946,000 |
| Interest-bearing deposits | 45,080,000 | 53,309,000 | 44,177,000 | 44,902,000 |
| Noninterest-bearing deposits | 9,405,000 | 8,238,000 | 9,260,000 | 10,044,000 |
| Equity capital | 5,459,000 | 5,494,000 | 5,546,000 | 5,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,237,000 | 1,843,000 | 2,433,000 |
| Interest expense | 46,000 | 92,000 | 138,000 | 189,000 |
| Net interest income | 576,000 | 1,145,000 | 1,705,000 | 2,244,000 |
| Noninterest income | 27,000 | 54,000 | 76,000 | 106,000 |
| Noninterest expense | 427,000 | 824,000 | 1,268,000 | 1,757,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 415,000 |
| Pretax income | 176,000 | 365,000 | 488,000 | 178,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 365,000 | 488,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,398,000 | 5,444,000 | 5,502,000 | 5,136,000 |
| Total capital | 5,902,000 | 5,952,000 | 6,007,000 | 5,660,000 |
| Risk-weighted assets | 49,502,000 | 51,711,000 | 49,308,000 | 49,059,000 |