Call reports 2016
FIRST NATIONAL BANK OF LACON — 2016
What FIRST NATIONAL BANK OF LACON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,820,000 | 69,926,000 | 67,004,000 | 62,439,000 |
| Total loans | 46,932,000 | 45,285,000 | 45,613,000 | 43,779,000 |
| Allowance for loan losses | 572,000 | 574,000 | 573,000 | 573,000 |
| Securities available for sale | 3,517,000 | 6,521,000 | 5,019,000 | 6,813,000 |
| Securities held to maturity | 1,221,000 | 221,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,533,000 | 64,539,000 | 61,427,000 | 55,668,000 |
| Interest-bearing deposits | 44,328,000 | 53,747,000 | 50,830,000 | 44,510,000 |
| Noninterest-bearing deposits | 11,205,000 | 10,792,000 | 10,597,000 | 11,158,000 |
| Equity capital | 5,228,000 | 5,283,000 | 5,425,000 | 5,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,172,000 | 1,763,000 | 2,342,000 |
| Interest expense | 41,000 | 78,000 | 117,000 | 154,000 |
| Net interest income | 550,000 | 1,094,000 | 1,646,000 | 2,188,000 |
| Noninterest income | 22,000 | 46,000 | 74,000 | 105,000 |
| Noninterest expense | 446,000 | 862,000 | 1,296,000 | 1,741,000 |
| Provision for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Pretax income | 71,000 | 223,000 | 369,000 | 497,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 223,000 | 369,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,207,000 | 5,259,000 | 5,404,000 | 5,433,000 |
| Total capital | 5,779,000 | 5,833,000 | 5,977,000 | 5,993,000 |
| Risk-weighted assets | 45,791,000 | 47,535,000 | 47,424,000 | 44,825,000 |