Call reports 2012
FIRST NATIONAL BANK OF ELMER — 2012
What FIRST NATIONAL BANK OF ELMER reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 215,411,000 | 217,425,000 | 220,527,000 | 218,259,000 |
| Total loans | 165,830,000 | 163,966,000 | 167,811,000 | 171,284,000 |
| Allowance for loan losses | 2,124,000 | 2,252,000 | 2,078,000 | 2,133,000 |
| Securities available for sale | 5,696,000 | 7,394,000 | 10,071,000 | 14,630,000 |
| Securities held to maturity | 7,652,000 | 8,037,000 | 7,425,000 | 6,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,841,000 | 194,970,000 | 197,676,000 | 195,518,000 |
| Interest-bearing deposits | 180,689,000 | 183,555,000 | 185,900,000 | 183,454,000 |
| Noninterest-bearing deposits | 12,152,000 | 11,415,000 | 11,776,000 | 12,064,000 |
| Equity capital | 21,176,000 | 21,352,000 | 21,373,000 | 21,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,513,000 | 4,915,000 | 7,303,000 | 9,750,000 |
| Interest expense | 389,000 | 743,000 | 1,063,000 | 1,342,000 |
| Net interest income | 2,124,000 | 4,172,000 | 6,240,000 | 8,408,000 |
| Noninterest income | 223,000 | 436,000 | 641,000 | 1,004,000 |
| Noninterest expense | 1,603,000 | 3,434,000 | 5,159,000 | 7,190,000 |
| Provision for loan losses | 62,000 | 183,000 | 185,000 | 247,000 |
| Pretax income | 682,000 | 991,000 | 1,537,000 | 1,975,000 |
| Income tax | 207,000 | 346,000 | 553,000 | 676,000 |
| Net income | 475,000 | 645,000 | 984,000 | 1,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,153,000 | 21,317,000 | 21,313,000 | 21,632,000 |
| Total capital | 23,103,000 | 23,244,000 | 23,304,000 | 23,664,000 |
| Risk-weighted assets | 155,789,000 | 153,778,000 | 159,153,000 | 162,432,000 |