Call reports 2014
FIRST NATIONAL BANK OF SHINER, THE — 2014
What FIRST NATIONAL BANK OF SHINER, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 432,142,000 | 453,476,000 | 478,974,000 | 552,760,000 |
| Total loans | 52,486,000 | 55,747,000 | 59,575,000 | 63,533,000 |
| Allowance for loan losses | 994,000 | 987,000 | 1,002,000 | 1,000,000 |
| Securities available for sale | 342,231,000 | 373,135,000 | 392,168,000 | 443,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,948,000 | 414,934,000 | 437,556,000 | 501,197,000 |
| Interest-bearing deposits | 345,029,000 | 353,881,000 | 371,338,000 | 420,973,000 |
| Noninterest-bearing deposits | 56,919,000 | 61,053,000 | 66,218,000 | 80,224,000 |
| Equity capital | 29,224,000 | 37,715,000 | 40,486,000 | 50,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,531,000 | 7,331,000 | 11,251,000 | 15,431,000 |
| Interest expense | 835,000 | 1,689,000 | 2,571,000 | 3,542,000 |
| Net interest income | 2,696,000 | 5,642,000 | 8,680,000 | 11,889,000 |
| Noninterest income | 118,000 | 233,000 | 379,000 | 546,000 |
| Noninterest expense | 1,336,000 | 2,724,000 | 4,203,000 | 5,806,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 1,453,000 | 3,148,000 | 4,916,000 | 6,771,000 |
| Income tax | 282,000 | 478,000 | 681,000 | 1,096,000 |
| Net income | 1,171,000 | 2,670,000 | 4,235,000 | 5,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,456,000 | 35,969,000 | 37,545,000 | 41,523,000 |
| Total capital | 35,450,000 | 36,956,000 | 38,547,000 | 42,523,000 |
| Risk-weighted assets | 158,801,000 | 163,505,000 | 169,868,000 | 186,211,000 |