Call reports 2016
FIRST NATIONAL BANK OF SHINER, THE — 2016
What FIRST NATIONAL BANK OF SHINER, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 648,355,000 | 654,574,000 | 655,971,000 | 647,664,000 |
| Total loans | 81,419,000 | 81,194,000 | 85,402,000 | 89,639,000 |
| Allowance for loan losses | 1,161,000 | 1,128,000 | 1,211,000 | 1,319,000 |
| Securities available for sale | 534,659,000 | 544,391,000 | 538,670,000 | 524,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,692,000 | 559,253,000 | 560,476,000 | 585,820,000 |
| Interest-bearing deposits | 510,125,000 | 493,509,000 | 493,169,000 | 518,003,000 |
| Noninterest-bearing deposits | 70,567,000 | 65,744,000 | 67,307,000 | 67,817,000 |
| Equity capital | 63,199,000 | 73,650,000 | 74,056,000 | 58,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,101,000 | 10,234,000 | 15,234,000 | 20,277,000 |
| Interest expense | 1,254,000 | 2,501,000 | 3,749,000 | 4,993,000 |
| Net interest income | 3,847,000 | 7,733,000 | 11,485,000 | 15,284,000 |
| Noninterest income | 189,000 | 389,000 | 598,000 | 852,000 |
| Noninterest expense | 1,842,000 | 3,733,000 | 5,636,000 | 7,607,000 |
| Provision for loan losses | 60,000 | 120,000 | 225,000 | 330,000 |
| Pretax income | 2,200,000 | 4,568,000 | 6,731,000 | 8,797,000 |
| Income tax | 308,000 | 649,000 | 952,000 | 1,234,000 |
| Net income | 1,892,000 | 3,919,000 | 5,779,000 | 7,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,711,000 | 52,743,000 | 54,609,000 | 56,401,000 |
| Total capital | 51,872,000 | 53,871,000 | 55,820,000 | 57,720,000 |
| Risk-weighted assets | 224,359,000 | 224,318,000 | 230,157,000 | 236,013,000 |