Call reports 2008
FIRST NATIONAL BANK OF SMITH CENTER, THE — 2008
What FIRST NATIONAL BANK OF SMITH CENTER, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 37,167,000 | 38,449,000 | 38,596,000 | 42,656,000 |
| Total loans | 19,917,000 | 20,465,000 | 19,622,000 | 20,311,000 |
| Allowance for loan losses | 184,000 | 184,000 | 291,000 | 299,000 |
| Securities available for sale | 4,749,000 | 4,638,000 | 4,610,000 | 4,955,000 |
| Securities held to maturity | 7,494,000 | 7,765,000 | 8,097,000 | 9,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,651,000 | 33,929,000 | 34,620,000 | 38,540,000 |
| Interest-bearing deposits | 28,007,000 | 29,130,000 | 28,894,000 | 32,973,000 |
| Noninterest-bearing deposits | 4,644,000 | 4,799,000 | 5,726,000 | 5,567,000 |
| Equity capital | 4,378,000 | 4,385,000 | 3,832,000 | 4,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,087,000 | 1,627,000 | 2,137,000 |
| Interest expense | 194,000 | 371,000 | 546,000 | 714,000 |
| Net interest income | 353,000 | 716,000 | 1,081,000 | 1,423,000 |
| Noninterest income | 30,000 | 63,000 | 96,000 | 130,000 |
| Noninterest expense | 292,000 | 571,000 | 860,000 | 1,113,000 |
| Provision for loan losses | -2,000 | -7,000 | 650,000 | 650,000 |
| Pretax income | 93,000 | 215,000 | -333,000 | -210,000 |
| Income tax | 3,000 | 8,000 | -13,000 | -10,000 |
| Net income | 90,000 | 207,000 | -320,000 | -200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,261,000 | 4,279,000 | 3,753,000 | 3,872,000 |
| Total capital | 4,445,000 | 4,463,000 | 4,044,000 | 4,171,000 |
| Risk-weighted assets | 26,418,000 | 27,384,000 | 26,811,000 | 27,961,000 |
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