Call reports 2008
FIRST NATIONAL BANK IN FRANKFORT — 2008
What FIRST NATIONAL BANK IN FRANKFORT 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 | 32,605,000 | 33,329,000 | 31,215,000 | 30,924,000 |
| Total loans | 14,131,000 | 15,021,000 | 15,331,000 | 14,838,000 |
| Allowance for loan losses | 197,000 | 200,000 | 355,000 | 134,000 |
| Securities available for sale | 16,330,000 | 16,126,000 | 13,707,000 | 12,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,287,000 | 23,018,000 | 23,528,000 | 23,916,000 |
| Interest-bearing deposits | 20,512,000 | 19,215,000 | 19,745,000 | 19,714,000 |
| Noninterest-bearing deposits | 3,774,000 | 3,803,000 | 3,783,000 | 4,202,000 |
| Equity capital | 3,370,000 | 3,073,000 | 2,092,000 | 2,929,000 |
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 | 476,000 | 946,000 | 1,407,000 | 1,819,000 |
| Interest expense | 218,000 | 441,000 | 631,000 | 809,000 |
| Net interest income | 258,000 | 505,000 | 776,000 | 1,010,000 |
| Noninterest income | 38,000 | 74,000 | 111,000 | 152,000 |
| Noninterest expense | 185,000 | 397,000 | 590,000 | 734,000 |
| Provision for loan losses | 0 | 0 | 160,000 | 620,000 |
| Pretax income | 111,000 | 178,000 | -776,000 | -1,364,000 |
| Income tax | -4,000 | -3,000 | -38,000 | -70,000 |
| Net income | 115,000 | 181,000 | -738,000 | -1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,103,000 | 3,171,000 | 2,271,000 | 2,810,000 |
| Total capital | 3,300,000 | 3,371,000 | 2,521,000 | 2,944,000 |
| Risk-weighted assets | 19,885,000 | 20,547,000 | 19,889,000 | 18,957,000 |
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