Call reports 2008
FIRST NATIONAL BANK OF IZARD COUNTY — 2008
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 134,155,000 | 134,686,000 | 136,073,000 | 135,667,000 |
| Total loans | 69,041,000 | 68,029,000 | 69,856,000 | 71,617,000 |
| Allowance for loan losses | 616,000 | 618,000 | 602,000 | 751,000 |
| Securities available for sale | 18,968,000 | 30,373,000 | 34,612,000 | 26,851,000 |
| Securities held to maturity | 9,003,000 | 9,962,000 | 10,702,000 | 10,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,928,000 | 97,211,000 | 97,947,000 | 97,066,000 |
| Interest-bearing deposits | 78,074,000 | 78,541,000 | 78,598,000 | 78,868,000 |
| Noninterest-bearing deposits | 18,855,000 | 18,670,000 | 19,349,000 | 18,198,000 |
| Equity capital | 35,752,000 | 36,154,000 | 36,785,000 | 37,308,000 |
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 | 2,024,000 | 4,004,000 | 6,011,000 | 7,988,000 |
| Interest expense | 643,000 | 1,224,000 | 1,735,000 | 2,214,000 |
| Net interest income | 1,381,000 | 2,780,000 | 4,276,000 | 5,774,000 |
| Noninterest income | 277,000 | 605,000 | 905,000 | 1,215,000 |
| Noninterest expense | 719,000 | 1,440,000 | 2,171,000 | 3,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 945,000 | 1,953,000 | 3,020,000 | 3,413,000 |
| Income tax | 200,000 | 430,000 | 730,000 | 1,171,000 |
| Net income | 745,000 | 1,523,000 | 2,290,000 | 2,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,708,000 | 36,485,000 | 37,252,000 | 37,205,000 |
| Total capital | 36,324,000 | 37,103,000 | 37,854,000 | 37,956,000 |
| Risk-weighted assets | 79,108,000 | 79,874,000 | 82,064,000 | 82,755,000 |