Call reports 2008
FIRST NATIONAL BANK IN CRESTON, THE — 2008
What FIRST NATIONAL BANK IN CRESTON, 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 | 182,960,000 | 178,344,000 | 180,028,000 | 187,839,000 |
| Total loans | 128,323,000 | 131,730,000 | 134,466,000 | 142,884,000 |
| Allowance for loan losses | 1,521,000 | 1,396,000 | 1,373,000 | 1,372,000 |
| Securities available for sale | 34,109,000 | 34,432,000 | 33,455,000 | 32,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,611,000 | 157,556,000 | 157,721,000 | 162,807,000 |
| Interest-bearing deposits | 148,233,000 | 143,525,000 | 143,676,000 | 148,204,000 |
| Noninterest-bearing deposits | 14,378,000 | 14,031,000 | 14,045,000 | 14,603,000 |
| Equity capital | 14,121,000 | 13,741,000 | 13,800,000 | 14,785,000 |
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 | 2,615,000 | 5,165,000 | 7,768,000 | 10,340,000 |
| Interest expense | 1,151,000 | 2,219,000 | 3,184,000 | 4,135,000 |
| Net interest income | 1,464,000 | 2,946,000 | 4,584,000 | 6,205,000 |
| Noninterest income | 835,000 | 1,748,000 | 2,620,000 | 3,473,000 |
| Noninterest expense | 1,628,000 | 3,179,000 | 4,959,000 | 6,768,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 671,000 | 1,550,000 | 2,355,000 | 3,020,000 |
| Income tax | 32,000 | 78,000 | 118,000 | 151,000 |
| Net income | 639,000 | 1,472,000 | 2,237,000 | 2,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,069,000 | 13,402,000 | 13,555,000 | 13,682,000 |
| Total capital | 14,590,000 | 14,798,000 | 14,928,000 | 15,054,000 |
| Risk-weighted assets | 139,690,000 | 141,372,000 | 143,947,000 | 148,713,000 |