Call reports 2015
FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA — 2015
What FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA 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 | 325,814,000 | 316,308,000 | 314,885,000 | 314,822,000 |
| Total loans | 195,688,000 | 196,464,000 | 197,744,000 | 194,607,000 |
| Allowance for loan losses | 2,850,000 | 2,950,000 | 2,975,000 | 3,050,000 |
| Securities available for sale | 89,915,000 | 90,714,000 | 92,077,000 | 74,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,393,000 | 281,754,000 | 280,174,000 | 278,878,000 |
| Interest-bearing deposits | 228,292,000 | 225,848,000 | 227,981,000 | 230,332,000 |
| Noninterest-bearing deposits | 61,101,000 | 55,906,000 | 52,193,000 | 48,546,000 |
| Equity capital | 36,268,000 | 34,415,000 | 34,576,000 | 34,381,000 |
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 | 3,096,000 | 6,174,000 | 9,296,000 | 12,370,000 |
| Interest expense | 280,000 | 555,000 | 832,000 | 1,104,000 |
| Net interest income | 2,816,000 | 5,619,000 | 8,464,000 | 11,266,000 |
| Noninterest income | 460,000 | 901,000 | 1,377,000 | 1,822,000 |
| Noninterest expense | 1,404,000 | 2,943,000 | 4,378,000 | 5,854,000 |
| Provision for loan losses | -75,000 | 61,000 | 38,000 | 530,000 |
| Pretax income | 1,963,000 | 3,589,000 | 5,498,000 | 6,943,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,963,000 | 3,589,000 | 5,498,000 | 6,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,911,000 | 32,217,000 | 32,146,000 | 32,170,000 |
| Total capital | 35,277,000 | 34,630,000 | 34,658,000 | 34,653,000 |
| Risk-weighted assets | 188,779,000 | 192,535,000 | 200,499,000 | 198,070,000 |