Call reports 2013
FIRST NATIONAL BANK OF SHINER, THE — 2013
What FIRST NATIONAL BANK OF SHINER, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 285,404,000 | 313,747,000 | 343,795,000 | 403,317,000 |
| Total loans | 50,482,000 | 49,175,000 | 51,295,000 | 51,287,000 |
| Allowance for loan losses | 583,000 | 655,000 | 840,000 | 928,000 |
| Securities available for sale | 204,742,000 | 235,327,000 | 263,573,000 | 304,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,969,000 | 292,489,000 | 323,780,000 | 380,748,000 |
| Interest-bearing deposits | 212,807,000 | 248,018,000 | 269,604,000 | 325,354,000 |
| Noninterest-bearing deposits | 47,162,000 | 44,471,000 | 54,176,000 | 55,394,000 |
| Equity capital | 24,532,000 | 20,622,000 | 19,231,000 | 21,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,738,000 | 7,609,000 | 10,862,000 |
| Interest expense | 571,000 | 1,194,000 | 1,901,000 | 2,692,000 |
| Net interest income | 1,645,000 | 3,544,000 | 5,708,000 | 8,170,000 |
| Noninterest income | 150,000 | 262,000 | 387,000 | 512,000 |
| Noninterest expense | 1,129,000 | 2,271,000 | 3,531,000 | 4,822,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 717,000 | 1,587,000 | 2,541,000 | 3,763,000 |
| Income tax | -46,000 | -96,000 | -189,000 | -82,000 |
| Net income | 763,000 | 1,683,000 | 2,730,000 | 3,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,157,000 | 24,087,000 | 27,144,000 | 31,773,000 |
| Total capital | 21,740,000 | 24,742,000 | 27,984,000 | 32,701,000 |
| Risk-weighted assets | 106,806,000 | 124,733,000 | 139,302,000 | 151,107,000 |