Call reports 2008
FIRST NATIONAL BANK OF WELLSTON, THE — 2008
What FIRST NATIONAL BANK OF WELLSTON, 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 | 94,802,000 | 94,576,000 | 94,829,000 | 91,591,000 |
| Total loans | 62,316,000 | 64,693,000 | 66,254,000 | 66,264,000 |
| Allowance for loan losses | 353,000 | 358,000 | 227,000 | 247,000 |
| Securities available for sale | 24,324,000 | 23,038,000 | 22,063,000 | 18,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,969,000 | 82,939,000 | 81,289,000 | 79,756,000 |
| Interest-bearing deposits | 77,022,000 | 76,554,000 | 75,619,000 | 74,359,000 |
| Noninterest-bearing deposits | 5,948,000 | 6,385,000 | 5,670,000 | 5,397,000 |
| Equity capital | 11,267,000 | 10,977,000 | 11,256,000 | 11,362,000 |
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 | 1,525,000 | 3,062,000 | 4,572,000 | 6,055,000 |
| Interest expense | 667,000 | 1,292,000 | 1,890,000 | 2,433,000 |
| Net interest income | 858,000 | 1,770,000 | 2,682,000 | 3,622,000 |
| Noninterest income | 135,000 | 254,000 | 397,000 | 519,000 |
| Noninterest expense | 758,000 | 1,493,000 | 2,214,000 | 3,015,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 90,000 |
| Pretax income | 236,000 | 506,000 | 814,000 | 1,049,000 |
| Income tax | 57,000 | 101,000 | 194,000 | 266,000 |
| Net income | 179,000 | 405,000 | 620,000 | 783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,936,000 | 10,969,000 | 11,183,000 | 11,135,000 |
| Total capital | 11,289,000 | 11,327,000 | 11,410,000 | 11,382,000 |
| Risk-weighted assets | 52,208,000 | 53,369,000 | 53,880,000 | 52,696,000 |
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