Call reports 2014
FIRST NATIONAL BANK OF ELMER — 2014
What FIRST NATIONAL BANK OF ELMER reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 219,232,000 | 227,311,000 | 219,552,000 | 221,415,000 |
| Total loans | 191,288,000 | 192,563,000 | 191,682,000 | 191,867,000 |
| Allowance for loan losses | 2,202,000 | 2,210,000 | 2,257,000 | 2,307,000 |
| Securities available for sale | 12,014,000 | 11,688,000 | 12,021,000 | 11,416,000 |
| Securities held to maturity | 6,474,000 | 3,874,000 | 2,260,000 | 3,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,299,000 | 204,004,000 | 195,810,000 | 197,484,000 |
| Interest-bearing deposits | 182,808,000 | 190,475,000 | 183,770,000 | 182,792,000 |
| Noninterest-bearing deposits | 11,491,000 | 13,529,000 | 12,040,000 | 14,692,000 |
| Equity capital | 21,896,000 | 22,265,000 | 22,349,000 | 22,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,465,000 | 4,973,000 | 7,493,000 | 10,014,000 |
| Interest expense | 214,000 | 427,000 | 635,000 | 838,000 |
| Net interest income | 2,251,000 | 4,546,000 | 6,858,000 | 9,176,000 |
| Noninterest income | 137,000 | 325,000 | 534,000 | 720,000 |
| Noninterest expense | 1,701,000 | 3,722,000 | 5,447,000 | 7,478,000 |
| Provision for loan losses | 51,000 | 103,000 | 155,000 | 205,000 |
| Pretax income | 636,000 | 1,046,000 | 1,790,000 | 2,213,000 |
| Income tax | 257,000 | 397,000 | 731,000 | 912,000 |
| Net income | 379,000 | 649,000 | 1,059,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,213,000 | 22,479,000 | 22,523,000 | 22,744,000 |
| Total capital | 24,435,000 | 24,704,000 | 24,713,000 | 24,968,000 |
| Risk-weighted assets | 177,757,000 | 178,010,000 | 175,113,000 | 177,797,000 |