Call reports 2010
FIRST NATIONAL BANK OF ELMER — 2010
What FIRST NATIONAL BANK OF ELMER reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 215,658,000 | 217,277,000 | 218,759,000 | 219,080,000 |
| Total loans | 190,294,000 | 191,348,000 | 188,161,000 | 178,508,000 |
| Allowance for loan losses | 2,282,000 | 2,240,000 | 2,127,000 | 2,065,000 |
| Securities available for sale | 3,138,000 | 2,705,000 | 3,714,000 | 1,163,000 |
| Securities held to maturity | 5,003,000 | 5,493,000 | 4,518,000 | 8,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,447,000 | 194,886,000 | 197,082,000 | 197,187,000 |
| Interest-bearing deposits | 181,147,000 | 179,107,000 | 183,162,000 | 185,491,000 |
| Noninterest-bearing deposits | 12,300,000 | 15,779,000 | 13,920,000 | 11,696,000 |
| Equity capital | 19,428,000 | 20,050,000 | 20,244,000 | 20,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,980,000 | 6,039,000 | 9,097,000 | 12,029,000 |
| Interest expense | 681,000 | 1,270,000 | 1,841,000 | 2,391,000 |
| Net interest income | 2,299,000 | 4,769,000 | 7,256,000 | 9,638,000 |
| Noninterest income | 253,000 | 514,000 | 865,000 | 560,000 |
| Noninterest expense | 1,736,000 | 3,478,000 | 5,350,000 | 7,366,000 |
| Provision for loan losses | 210,000 | 211,000 | 263,000 | 264,000 |
| Pretax income | 606,000 | 1,594,000 | 2,508,000 | 2,568,000 |
| Income tax | 233,000 | 587,000 | 963,000 | 1,003,000 |
| Net income | 373,000 | 1,007,000 | 1,545,000 | 1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,388,000 | 20,012,000 | 20,206,000 | 20,226,000 |
| Total capital | 21,578,000 | 22,216,000 | 22,373,000 | 22,291,000 |
| Risk-weighted assets | 175,081,000 | 176,194,000 | 175,004,000 | 165,135,000 |