Call reports 2008
FIRST NATIONAL BANK OF NIAGARA, THE — 2008
What FIRST NATIONAL BANK OF NIAGARA, 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 | 65,685,000 | 64,462,000 | 63,643,000 | 62,522,000 |
| Total loans | 46,535,000 | 45,501,000 | 43,534,000 | 43,061,000 |
| Allowance for loan losses | 403,000 | 361,000 | 410,000 | 435,000 |
| Securities available for sale | 4,692,000 | 4,120,000 | 5,160,000 | 7,769,000 |
| Securities held to maturity | 4,173,000 | 3,571,000 | 3,572,000 | 4,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,449,000 | 52,206,000 | 51,291,000 | 53,441,000 |
| Interest-bearing deposits | 48,973,000 | 47,715,000 | 46,658,000 | 48,038,000 |
| Noninterest-bearing deposits | 4,476,000 | 4,491,000 | 4,633,000 | 5,402,000 |
| Equity capital | 9,742,000 | 9,801,000 | 9,870,000 | 6,554,000 |
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 | 1,047,000 | 2,035,000 | 3,009,000 | 3,950,000 |
| Interest expense | 404,000 | 752,000 | 1,088,000 | 1,413,000 |
| Net interest income | 643,000 | 1,283,000 | 1,921,000 | 2,537,000 |
| Noninterest income | 65,000 | 144,000 | 206,000 | 274,000 |
| Noninterest expense | 541,000 | 1,071,000 | 1,616,000 | 2,160,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 150,000 |
| Pretax income | 137,000 | 281,000 | 391,000 | 501,000 |
| Income tax | 42,000 | 86,000 | 119,000 | 149,000 |
| Net income | 95,000 | 195,000 | 272,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,687,000 | 9,781,000 | 9,851,000 | 6,431,000 |
| Total capital | 10,090,000 | 10,142,000 | 10,261,000 | 6,866,000 |
| Risk-weighted assets | 41,068,000 | 40,185,000 | 38,800,000 | 37,935,000 |
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