Call reports 2008
FNNB BANK — 2008
What FNNB BANK 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 | 93,971,000 | 78,043,000 | 82,878,000 | 78,455,000 |
| Total loans | 38,042,000 | 38,570,000 | 37,535,000 | 36,638,000 |
| Allowance for loan losses | 423,000 | 421,000 | 517,000 | 461,000 |
| Securities available for sale | 31,228,000 | 31,400,000 | 27,765,000 | 30,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,126,000 | 70,130,000 | 74,817,000 | 70,294,000 |
| Interest-bearing deposits | 74,972,000 | 58,293,000 | 63,340,000 | 59,762,000 |
| Noninterest-bearing deposits | 10,154,000 | 11,837,000 | 11,477,000 | 10,532,000 |
| Equity capital | 6,515,000 | 6,186,000 | 6,372,000 | 6,570,000 |
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 | 1,044,000 | 2,076,000 | 3,041,000 | 3,959,000 |
| Interest expense | 388,000 | 732,000 | 999,000 | 1,243,000 |
| Net interest income | 656,000 | 1,344,000 | 2,042,000 | 2,716,000 |
| Noninterest income | 75,000 | 148,000 | 227,000 | 346,000 |
| Noninterest expense | 617,000 | 1,246,000 | 1,909,000 | 2,560,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 367,000 |
| Pretax income | 241,000 | 372,000 | 422,000 | 297,000 |
| Income tax | 12,000 | 18,000 | 21,000 | 14,000 |
| Net income | 229,000 | 354,000 | 401,000 | 283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,221,000 | 6,266,000 | 6,313,000 | 6,115,000 |
| Total capital | 6,644,000 | 6,687,000 | 6,830,000 | 6,576,000 |
| Risk-weighted assets | 43,946,000 | 41,438,000 | 41,743,000 | 40,105,000 |
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