Call reports 2012
FIRST NATIONAL BANK, CORTEZ — 2012
What FIRST NATIONAL BANK, CORTEZ 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 | 93,135,000 | 90,097,000 | 96,565,000 | 93,746,000 |
| Total loans | 27,638,000 | 30,933,000 | 30,734,000 | 30,575,000 |
| Allowance for loan losses | 444,000 | 497,000 | 491,000 | 482,000 |
| Securities available for sale | 54,949,000 | 48,037,000 | 51,532,000 | 51,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,677,000 | 79,614,000 | 85,724,000 | 79,131,000 |
| Interest-bearing deposits | 60,577,000 | 63,921,000 | 68,337,000 | 62,026,000 |
| Noninterest-bearing deposits | 15,100,000 | 15,693,000 | 17,387,000 | 17,105,000 |
| Equity capital | 9,036,000 | 9,270,000 | 9,532,000 | 9,350,000 |
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 | 813,000 | 1,657,000 | 2,491,000 | 3,276,000 |
| Interest expense | 106,000 | 206,000 | 305,000 | 399,000 |
| Net interest income | 707,000 | 1,451,000 | 2,186,000 | 2,877,000 |
| Noninterest income | 110,000 | 223,000 | 336,000 | 394,000 |
| Noninterest expense | 701,000 | 1,382,000 | 2,032,000 | 2,740,000 |
| Provision for loan losses | 16,000 | 69,000 | 77,000 | 60,000 |
| Pretax income | 216,000 | 355,000 | 630,000 | 730,000 |
| Income tax | 70,000 | 120,000 | 203,000 | 232,000 |
| Net income | 146,000 | 235,000 | 427,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,034,000 | 8,123,000 | 8,315,000 | 8,236,000 |
| Total capital | 8,491,000 | 8,629,000 | 8,811,000 | 8,725,000 |
| Risk-weighted assets | 43,313,000 | 44,837,000 | 45,983,000 | 44,974,000 |