Call reports 2015
FIRST NATIONAL BANK OF ELMER — 2015
What FIRST NATIONAL BANK OF ELMER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 221,991,000 | 234,372,000 | 241,501,000 | 238,572,000 |
| Total loans | 192,402,000 | 204,470,000 | 207,210,000 | 206,459,000 |
| Allowance for loan losses | 1,937,000 | 1,917,000 | 1,937,000 | 2,049,000 |
| Securities available for sale | 11,849,000 | 11,156,000 | 10,711,000 | 9,982,000 |
| Securities held to maturity | 3,755,000 | 4,658,000 | 3,649,000 | 1,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,548,000 | 210,199,000 | 216,816,000 | 213,976,000 |
| Interest-bearing deposits | 183,420,000 | 195,567,000 | 201,026,000 | 196,308,000 |
| Noninterest-bearing deposits | 14,128,000 | 14,632,000 | 15,790,000 | 17,668,000 |
| Equity capital | 22,627,000 | 22,862,000 | 22,879,000 | 23,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,420,000 | 5,005,000 | 7,591,000 | 10,226,000 |
| Interest expense | 190,000 | 376,000 | 567,000 | 751,000 |
| Net interest income | 2,230,000 | 4,629,000 | 7,024,000 | 9,475,000 |
| Noninterest income | 144,000 | 324,000 | 494,000 | 644,000 |
| Noninterest expense | 1,704,000 | 3,694,000 | 5,725,000 | 7,876,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 290,000 |
| Pretax income | 620,000 | 1,159,000 | 1,643,000 | 1,953,000 |
| Income tax | 181,000 | 369,000 | 547,000 | 674,000 |
| Net income | 439,000 | 790,000 | 1,096,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,828,000 | 23,169,000 | 23,100,000 | 23,284,000 |
| Total capital | 24,805,000 | 25,126,000 | 25,077,000 | 25,373,000 |
| Risk-weighted assets | 181,884,000 | 192,904,000 | 194,796,000 | 194,655,000 |