Call reports 2013
FIRST NATIONAL BANK OF COLERAINE, THE — 2013
What FIRST NATIONAL BANK OF COLERAINE, 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 | 76,245,000 | 76,148,000 | 76,447,000 | 77,665,000 |
| Total loans | 24,670,000 | 24,904,000 | 25,841,000 | 25,961,000 |
| Allowance for loan losses | 224,000 | 229,000 | 235,000 | 241,000 |
| Securities available for sale | 46,595,000 | 45,087,000 | 45,277,000 | 43,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,023,000 | 70,656,000 | 70,865,000 | 72,184,000 |
| Interest-bearing deposits | 59,718,000 | 60,209,000 | 60,682,000 | 62,268,000 |
| Noninterest-bearing deposits | 10,305,000 | 10,447,000 | 10,183,000 | 9,916,000 |
| Equity capital | 5,990,000 | 5,423,000 | 5,483,000 | 5,387,000 |
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 | 575,000 | 1,152,000 | 1,755,000 | 2,332,000 |
| Interest expense | 108,000 | 211,000 | 308,000 | 399,000 |
| Net interest income | 467,000 | 941,000 | 1,447,000 | 1,933,000 |
| Noninterest income | 62,000 | 154,000 | 232,000 | 343,000 |
| Noninterest expense | 456,000 | 912,000 | 1,379,000 | 1,887,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 112,000 | 257,000 | 368,000 | 451,000 |
| Income tax | 18,000 | 43,000 | 68,000 | 49,000 |
| Net income | 94,000 | 214,000 | 300,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,617,000 | 5,638,000 | 5,724,000 | 5,706,000 |
| Total capital | 5,841,000 | 5,867,000 | 5,959,000 | 5,947,000 |
| Risk-weighted assets | 34,525,000 | 34,489,000 | 35,394,000 | 35,532,000 |