Call reports 2008
FIRST NATIONAL BANK IN STAUNTON, THE — 2008
What FIRST NATIONAL BANK IN STAUNTON, 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 | 435,252,000 | 436,563,000 | 430,969,000 | 438,996,000 |
| Total loans | 263,928,000 | 264,136,000 | 266,162,000 | 268,407,000 |
| Allowance for loan losses | 3,998,000 | 4,127,000 | 4,161,000 | 4,439,000 |
| Securities available for sale | 127,804,000 | 136,388,000 | 121,179,000 | 130,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,685,000 | 350,496,000 | 334,276,000 | 338,019,000 |
| Interest-bearing deposits | 300,624,000 | 297,376,000 | 287,012,000 | 285,457,000 |
| Noninterest-bearing deposits | 50,061,000 | 53,119,000 | 47,264,000 | 52,561,000 |
| Equity capital | 44,813,000 | 40,397,000 | 33,960,000 | 35,859,000 |
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 | 6,003,000 | 12,157,000 | 18,204,000 | 24,042,000 |
| Interest expense | 2,646,000 | 5,271,000 | 7,566,000 | 9,863,000 |
| Net interest income | 3,357,000 | 6,886,000 | 10,638,000 | 14,179,000 |
| Noninterest income | 926,000 | 1,735,000 | 2,562,000 | 3,360,000 |
| Noninterest expense | 2,505,000 | 5,048,000 | 7,690,000 | 10,674,000 |
| Provision for loan losses | 120,000 | 280,000 | 480,000 | 1,180,000 |
| Pretax income | 1,658,000 | 3,269,000 | -2,547,000 | -2,008,000 |
| Income tax | 18,000 | 36,000 | 50,000 | 0 |
| Net income | 1,640,000 | 3,233,000 | -2,597,000 | -2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,716,000 | 38,694,000 | 32,309,000 | 32,985,000 |
| Total capital | 41,978,000 | 42,389,000 | 35,953,000 | 36,598,000 |
| Risk-weighted assets | 291,377,000 | 295,176,000 | 291,003,000 | 288,217,000 |
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