Call reports 2011
FIRST NATIONAL BANK OF ELMER — 2011
What FIRST NATIONAL BANK OF ELMER reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 211,466,000 | 212,020,000 | 215,916,000 | 214,189,000 |
| Total loans | 174,848,000 | 173,543,000 | 172,270,000 | 169,486,000 |
| Allowance for loan losses | 2,126,000 | 2,050,000 | 2,045,000 | 2,062,000 |
| Securities available for sale | 1,151,000 | 1,810,000 | 3,279,000 | 2,193,000 |
| Securities held to maturity | 8,107,000 | 9,495,000 | 8,037,000 | 7,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,180,000 | 190,155,000 | 193,710,000 | 191,750,000 |
| Interest-bearing deposits | 178,194,000 | 178,217,000 | 181,040,000 | 180,579,000 |
| Noninterest-bearing deposits | 10,986,000 | 11,938,000 | 12,670,000 | 11,171,000 |
| Equity capital | 20,445,000 | 20,805,000 | 20,882,000 | 21,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,773,000 | 5,518,000 | 8,143,000 | 10,775,000 |
| Interest expense | 519,000 | 1,009,000 | 1,487,000 | 1,935,000 |
| Net interest income | 2,254,000 | 4,509,000 | 6,656,000 | 8,840,000 |
| Noninterest income | 274,000 | 550,000 | 870,000 | 1,183,000 |
| Noninterest expense | 1,718,000 | 3,604,000 | 5,276,000 | 7,306,000 |
| Provision for loan losses | 61,000 | 123,000 | 183,000 | 328,000 |
| Pretax income | 749,000 | 1,332,000 | 2,067,000 | 2,389,000 |
| Income tax | 183,000 | 401,000 | 708,000 | 806,000 |
| Net income | 566,000 | 931,000 | 1,359,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,447,000 | 20,807,000 | 20,885,000 | 21,034,000 |
| Total capital | 22,461,000 | 22,818,000 | 22,921,000 | 23,020,000 |
| Risk-weighted assets | 160,957,000 | 160,783,000 | 162,829,000 | 158,784,000 |