Call reports 2008
FIRST NATIONAL BANK OF HEREFORD, THE — 2008
What FIRST NATIONAL BANK OF HEREFORD, 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 | 93,100,000 | 98,244,000 | 103,295,000 | 106,513,000 |
| Total loans | 63,528,000 | 72,416,000 | 76,078,000 | 79,473,000 |
| Allowance for loan losses | 768,000 | 844,000 | 889,000 | 899,000 |
| Securities available for sale | 14,039,000 | 14,737,000 | 13,589,000 | 14,438,000 |
| Securities held to maturity | 1,269,000 | 1,269,000 | 1,269,000 | 1,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,773,000 | 86,019,000 | 94,033,000 | 93,864,000 |
| Interest-bearing deposits | 64,529,000 | 66,249,000 | 71,376,000 | 69,718,000 |
| Noninterest-bearing deposits | 19,244,000 | 19,770,000 | 22,657,000 | 24,146,000 |
| Equity capital | 8,673,000 | 8,609,000 | 8,674,000 | 9,245,000 |
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 | 1,443,000 | 2,830,000 | 4,281,000 | 5,664,000 |
| Interest expense | 568,000 | 1,025,000 | 1,456,000 | 1,856,000 |
| Net interest income | 875,000 | 1,805,000 | 2,825,000 | 3,808,000 |
| Noninterest income | 125,000 | 254,000 | 389,000 | 531,000 |
| Noninterest expense | 662,000 | 1,323,000 | 1,997,000 | 2,663,000 |
| Provision for loan losses | 15,000 | 91,000 | 136,000 | 151,000 |
| Pretax income | 323,000 | 645,000 | 1,081,000 | 1,525,000 |
| Income tax | 100,000 | 208,000 | 330,000 | 525,000 |
| Net income | 223,000 | 437,000 | 751,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,635,000 | 8,848,000 | 9,162,000 | 9,411,000 |
| Total capital | 9,403,000 | 9,692,000 | 10,051,000 | 10,310,000 |
| Risk-weighted assets | 69,305,000 | 78,099,000 | 81,911,000 | 87,214,000 |
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