Call reports 2015
FIRST NATIONAL BANK OF SHINER, THE — 2015
What FIRST NATIONAL BANK OF SHINER, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 553,020,000 | 534,229,000 | 566,344,000 | 634,709,000 |
| Total loans | 69,245,000 | 71,254,000 | 74,437,000 | 77,506,000 |
| Allowance for loan losses | 1,025,000 | 1,054,000 | 1,075,000 | 1,114,000 |
| Securities available for sale | 455,323,000 | 437,799,000 | 451,584,000 | 511,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,970,000 | 475,201,000 | 511,251,000 | 572,143,000 |
| Interest-bearing deposits | 424,272,000 | 408,228,000 | 440,518,000 | 498,798,000 |
| Noninterest-bearing deposits | 72,698,000 | 66,973,000 | 70,733,000 | 73,345,000 |
| Equity capital | 53,687,000 | 46,905,000 | 53,354,000 | 59,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,435,000 | 8,932,000 | 13,438,000 | 18,227,000 |
| Interest expense | 978,000 | 1,964,000 | 2,987,000 | 4,148,000 |
| Net interest income | 3,457,000 | 6,968,000 | 10,451,000 | 14,079,000 |
| Noninterest income | 144,000 | 317,000 | 504,000 | 706,000 |
| Noninterest expense | 1,677,000 | 3,397,000 | 5,091,000 | 6,850,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 130,000 |
| Pretax income | 2,333,000 | 4,485,000 | 6,530,000 | 8,601,000 |
| Income tax | 508,000 | 978,000 | 1,423,000 | 2,333,000 |
| Net income | 1,825,000 | 3,507,000 | 5,107,000 | 6,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,419,000 | 45,265,000 | 47,025,000 | 48,813,000 |
| Total capital | 44,444,000 | 46,319,000 | 48,100,000 | 49,927,000 |
| Risk-weighted assets | 194,237,000 | 197,382,000 | 198,825,000 | 216,229,000 |