Call reports 2013
FIRST NATIONAL BANK OF ELMER — 2013
What FIRST NATIONAL BANK OF ELMER 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 | 216,527,000 | 218,296,000 | 218,595,000 | 215,468,000 |
| Total loans | 173,687,000 | 173,391,000 | 176,514,000 | 185,651,000 |
| Allowance for loan losses | 2,001,000 | 2,072,000 | 2,131,000 | 2,150,000 |
| Securities available for sale | 15,461,000 | 13,488,000 | 13,378,000 | 11,932,000 |
| Securities held to maturity | 6,018,000 | 7,733,000 | 7,809,000 | 6,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,076,000 | 195,481,000 | 195,619,000 | 192,576,000 |
| Interest-bearing deposits | 180,327,000 | 182,242,000 | 184,304,000 | 179,947,000 |
| Noninterest-bearing deposits | 12,749,000 | 13,239,000 | 11,315,000 | 12,629,000 |
| Equity capital | 21,611,000 | 21,569,000 | 21,525,000 | 21,760,000 |
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 | 2,376,000 | 4,782,000 | 7,194,000 | 9,643,000 |
| Interest expense | 250,000 | 490,000 | 721,000 | 942,000 |
| Net interest income | 2,126,000 | 4,292,000 | 6,473,000 | 8,701,000 |
| Noninterest income | 217,000 | 423,000 | 622,000 | 818,000 |
| Noninterest expense | 1,659,000 | 3,553,000 | 5,269,000 | 7,291,000 |
| Provision for loan losses | 62,000 | 124,000 | 187,000 | 189,000 |
| Pretax income | 622,000 | 1,038,000 | 1,639,000 | 2,058,000 |
| Income tax | 216,000 | 385,000 | 608,000 | 752,000 |
| Net income | 406,000 | 653,000 | 1,031,000 | 1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,694,000 | 21,883,000 | 21,905,000 | 22,181,000 |
| Total capital | 23,735,000 | 23,926,000 | 23,974,000 | 24,331,000 |
| Risk-weighted assets | 166,675,000 | 163,415,000 | 165,405,000 | 171,952,000 |