Call reports 2012
FIRST NATIONAL BANK OF SHINER, THE — 2012
What FIRST NATIONAL BANK OF SHINER, THE 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 | 200,003,000 | 214,710,000 | 235,014,000 | 256,708,000 |
| Total loans | 45,575,000 | 45,306,000 | 47,134,000 | 48,590,000 |
| Allowance for loan losses | 796,000 | 869,000 | 943,000 | 502,000 |
| Securities available for sale | 138,307,000 | 152,243,000 | 169,655,000 | 184,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,771,000 | 188,047,000 | 205,967,000 | 230,436,000 |
| Interest-bearing deposits | 151,314,000 | 162,040,000 | 177,367,000 | 191,288,000 |
| Noninterest-bearing deposits | 24,457,000 | 26,007,000 | 28,600,000 | 39,148,000 |
| Equity capital | 21,775,000 | 23,672,000 | 24,331,000 | 24,701,000 |
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 | 1,888,000 | 3,858,000 | 5,842,000 | 7,979,000 |
| Interest expense | 462,000 | 948,000 | 1,455,000 | 1,988,000 |
| Net interest income | 1,426,000 | 2,910,000 | 4,387,000 | 5,991,000 |
| Noninterest income | 63,000 | 147,000 | 255,000 | 434,000 |
| Noninterest expense | 756,000 | 1,650,000 | 2,615,000 | 4,825,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 786,000 | 1,666,000 | 2,767,000 | 2,840,000 |
| Income tax | 44,000 | 91,000 | 227,000 | -39,000 |
| Net income | 742,000 | 1,575,000 | 2,540,000 | 2,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,553,000 | 16,429,000 | 17,434,000 | 19,886,000 |
| Total capital | 16,350,000 | 17,298,000 | 18,377,000 | 20,388,000 |
| Risk-weighted assets | 76,073,000 | 80,031,000 | 88,527,000 | 97,218,000 |