Call reports 2008
FIRST NATIONAL BANK OF AVA, THE — 2008
What FIRST NATIONAL BANK OF AVA, 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 | 48,905,000 | 49,044,000 | 49,488,000 | 51,274,000 |
| Total loans | 30,575,000 | 30,582,000 | 31,345,000 | 32,586,000 |
| Allowance for loan losses | 587,000 | 592,000 | 539,000 | 565,000 |
| Securities available for sale | 15,171,000 | 16,491,000 | 16,267,000 | 15,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,435,000 | 42,921,000 | 42,792,000 | 44,737,000 |
| Interest-bearing deposits | 37,432,000 | 37,831,000 | 37,686,000 | 40,095,000 |
| Noninterest-bearing deposits | 5,003,000 | 5,090,000 | 5,106,000 | 4,642,000 |
| Equity capital | 5,978,000 | 5,828,000 | 5,950,000 | 6,123,000 |
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 | 789,000 | 1,585,000 | 2,399,000 | 3,219,000 |
| Interest expense | 328,000 | 640,000 | 946,000 | 1,251,000 |
| Net interest income | 461,000 | 945,000 | 1,453,000 | 1,968,000 |
| Noninterest income | 67,000 | 101,000 | 142,000 | 180,000 |
| Noninterest expense | 303,000 | 613,000 | 933,000 | 1,325,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 225,000 | 433,000 | 662,000 | 793,000 |
| Income tax | 63,000 | 117,000 | 177,000 | 206,000 |
| Net income | 162,000 | 316,000 | 485,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,809,000 | 5,900,000 | 6,003,000 | 5,978,000 |
| Total capital | 6,212,000 | 6,301,000 | 6,416,000 | 6,406,000 |
| Risk-weighted assets | 31,569,000 | 31,629,000 | 32,687,000 | 33,801,000 |