Call reports 2008
FIRST NATIONAL BANK OF GIRARD — 2008
What FIRST NATIONAL BANK OF GIRARD 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 | 75,177,000 | 74,589,000 | 74,378,000 | 79,685,000 |
| Total loans | 46,726,000 | 45,789,000 | 45,994,000 | 46,072,000 |
| Allowance for loan losses | 518,000 | 509,000 | 548,000 | 558,000 |
| Securities available for sale | 24,324,000 | 25,366,000 | 26,041,000 | 24,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,894,000 | 61,608,000 | 58,831,000 | 64,895,000 |
| Interest-bearing deposits | 53,231,000 | 53,715,000 | 50,985,000 | 57,250,000 |
| Noninterest-bearing deposits | 7,663,000 | 7,893,000 | 7,845,000 | 7,645,000 |
| Equity capital | 7,529,000 | 7,409,000 | 7,431,000 | 7,592,000 |
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 | 1,324,000 | 2,435,000 | 3,507,000 | 4,566,000 |
| Interest expense | 558,000 | 1,034,000 | 1,466,000 | 1,860,000 |
| Net interest income | 766,000 | 1,401,000 | 2,041,000 | 2,706,000 |
| Noninterest income | 71,000 | 137,000 | 221,000 | 296,000 |
| Noninterest expense | 388,000 | 748,000 | 1,142,000 | 1,590,000 |
| Provision for loan losses | 90,000 | 150,000 | 290,000 | 470,000 |
| Pretax income | 359,000 | 640,000 | 830,000 | 942,000 |
| Income tax | 13,000 | 25,000 | 31,000 | 39,000 |
| Net income | 346,000 | 615,000 | 799,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,352,000 | 7,356,000 | 7,370,000 | 7,339,000 |
| Total capital | 7,870,000 | 7,865,000 | 7,918,000 | 7,897,000 |
| Risk-weighted assets | 46,251,000 | 44,964,000 | 53,600,000 | 53,579,000 |
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