Call reports 2008
FIRST NATIONAL BANK OF DRYDEN, THE — 2008
What FIRST NATIONAL BANK OF DRYDEN, 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 | 101,614,000 | 99,503,000 | 99,596,000 | 99,323,000 |
| Total loans | 34,058,000 | 34,338,000 | 34,543,000 | 34,031,000 |
| Allowance for loan losses | 350,000 | 361,000 | 363,000 | 548,000 |
| Securities available for sale | 42,619,000 | 40,127,000 | 41,016,000 | 47,779,000 |
| Securities held to maturity | 2,767,000 | 2,744,000 | 2,745,000 | 2,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,799,000 | 86,694,000 | 86,505,000 | 84,028,000 |
| Interest-bearing deposits | 72,476,000 | 67,292,000 | 71,431,000 | 67,520,000 |
| Noninterest-bearing deposits | 16,323,000 | 19,402,000 | 15,074,000 | 16,508,000 |
| Equity capital | 12,406,000 | 12,035,000 | 12,526,000 | 12,522,000 |
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 | 1,308,000 | 2,612,000 | 3,896,000 | 5,143,000 |
| Interest expense | 300,000 | 579,000 | 828,000 | 1,054,000 |
| Net interest income | 1,008,000 | 2,033,000 | 3,068,000 | 4,089,000 |
| Noninterest income | 67,000 | 143,000 | 238,000 | 351,000 |
| Noninterest expense | 581,000 | 1,243,000 | 1,846,000 | 2,591,000 |
| Provision for loan losses | 22,000 | 52,000 | 92,000 | 302,000 |
| Pretax income | 472,000 | 881,000 | 1,368,000 | 1,547,000 |
| Income tax | 67,000 | 185,000 | 333,000 | 391,000 |
| Net income | 405,000 | 696,000 | 1,035,000 | 1,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,185,000 | 12,222,000 | 12,439,000 | 12,144,000 |
| Total capital | 12,535,000 | 12,583,000 | 12,802,000 | 12,634,000 |
| Risk-weighted assets | 40,603,000 | 39,979,000 | 39,729,000 | 39,176,000 |
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