Call reports 2008
FIRST NATIONAL BANK AMES, IOWA — 2008
What FIRST NATIONAL BANK AMES, IOWA 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 | 487,990,000 | 456,351,000 | 424,110,000 | 445,212,000 |
| Total loans | 232,500,000 | 232,737,000 | 217,413,000 | 210,065,000 |
| Allowance for loan losses | 2,681,000 | 3,403,000 | 3,396,000 | 3,232,000 |
| Securities available for sale | 185,297,000 | 172,103,000 | 160,196,000 | 164,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,616,000 | 366,688,000 | 330,383,000 | 362,394,000 |
| Interest-bearing deposits | 315,003,000 | 314,454,000 | 277,738,000 | 294,007,000 |
| Noninterest-bearing deposits | 57,613,000 | 52,234,000 | 52,645,000 | 68,387,000 |
| Equity capital | 43,128,000 | 40,668,000 | 36,928,000 | 37,847,000 |
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 | 6,202,000 | 12,055,000 | 17,467,000 | 22,603,000 |
| Interest expense | 2,511,000 | 4,523,000 | 6,355,000 | 7,870,000 |
| Net interest income | 3,691,000 | 7,532,000 | 11,112,000 | 14,733,000 |
| Noninterest income | 852,000 | 1,692,000 | 2,519,000 | 3,378,000 |
| Noninterest expense | 1,981,000 | 3,927,000 | 6,033,000 | 8,520,000 |
| Provision for loan losses | 56,000 | 776,000 | 776,000 | 785,000 |
| Pretax income | 2,527,000 | 3,320,000 | -103,000 | 600,000 |
| Income tax | 713,000 | 858,000 | -842,000 | -637,000 |
| Net income | 1,814,000 | 2,462,000 | 739,000 | 1,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,156,000 | 41,678,000 | 38,659,000 | 37,861,000 |
| Total capital | 43,959,000 | 45,207,000 | 42,185,000 | 41,202,000 |
| Risk-weighted assets | 344,515,000 | 357,917,000 | 341,690,000 | 333,371,000 |
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