Call reports 2016
FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA — 2016
What FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 320,054,000 | 319,533,000 | 323,404,000 | 319,213,000 |
| Total loans | 196,538,000 | 198,381,000 | 199,433,000 | 197,964,000 |
| Allowance for loan losses | 3,075,000 | 3,125,000 | 3,275,000 | 3,350,000 |
| Securities available for sale | 92,238,000 | 96,899,000 | 97,317,000 | 96,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,592,000 | 284,030,000 | 287,857,000 | 284,167,000 |
| Interest-bearing deposits | 237,247,000 | 239,124,000 | 242,553,000 | 239,155,000 |
| Noninterest-bearing deposits | 46,345,000 | 44,906,000 | 45,304,000 | 45,012,000 |
| Equity capital | 35,037,000 | 35,364,000 | 35,399,000 | 33,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,042,000 | 6,097,000 | 9,157,000 | 12,256,000 |
| Interest expense | 270,000 | 523,000 | 774,000 | 1,023,000 |
| Net interest income | 2,772,000 | 5,574,000 | 8,383,000 | 11,233,000 |
| Noninterest income | 422,000 | 793,000 | 1,186,000 | 1,498,000 |
| Noninterest expense | 1,388,000 | 2,902,000 | 4,367,000 | 5,882,000 |
| Provision for loan losses | 21,000 | 100,000 | 183,000 | 291,000 |
| Pretax income | 1,810,000 | 3,390,000 | 5,044,000 | 6,583,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,810,000 | 3,390,000 | 5,044,000 | 6,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,781,000 | 32,861,000 | 33,050,000 | 32,866,000 |
| Total capital | 35,382,000 | 35,345,000 | 35,542,000 | 35,340,000 |
| Risk-weighted assets | 207,616,000 | 198,093,000 | 198,543,000 | 197,014,000 |
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