Call reports 2008
FIRST NATIONAL BANK OF PANDORA, THE — 2008
What FIRST NATIONAL BANK OF PANDORA, 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 | 110,314,000 | 107,788,000 | 108,132,000 | 110,130,000 |
| Total loans | 67,107,000 | 73,180,000 | 73,611,000 | 75,983,000 |
| Allowance for loan losses | 1,046,000 | 1,047,000 | 1,058,000 | 1,085,000 |
| Securities available for sale | 27,930,000 | 26,082,000 | 25,883,000 | 25,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,885,000 | 88,992,000 | 90,499,000 | 92,112,000 |
| Interest-bearing deposits | 85,939,000 | 81,262,000 | 83,492,000 | 82,657,000 |
| Noninterest-bearing deposits | 6,946,000 | 7,730,000 | 7,007,000 | 9,455,000 |
| Equity capital | 9,675,000 | 9,438,000 | 9,826,000 | 9,554,000 |
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 | 1,719,000 | 3,385,000 | 5,057,000 | 6,665,000 |
| Interest expense | 760,000 | 1,418,000 | 2,011,000 | 2,562,000 |
| Net interest income | 959,000 | 1,967,000 | 3,046,000 | 4,103,000 |
| Noninterest income | 144,000 | 306,000 | 473,000 | 634,000 |
| Noninterest expense | 884,000 | 1,768,000 | 2,673,000 | 3,591,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 219,000 | 505,000 | 846,000 | 1,116,000 |
| Income tax | 64,000 | 150,000 | 254,000 | 331,000 |
| Net income | 155,000 | 355,000 | 592,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,178,000 | 9,378,000 | 9,616,000 | 9,044,000 |
| Total capital | 10,137,000 | 10,389,000 | 10,629,000 | 10,092,000 |
| Risk-weighted assets | 76,934,000 | 80,844,000 | 80,980,000 | 83,784,000 |
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