Call reports 2008
FIRST NATIONAL BANK OF DECATUR COUNTY — 2008
What FIRST NATIONAL BANK OF DECATUR 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 | 85,865,000 | 90,332,000 | 90,245,000 | 98,937,000 |
| Total loans | 61,805,000 | 64,108,000 | 64,652,000 | 66,297,000 |
| Allowance for loan losses | 779,000 | 808,000 | 862,000 | 957,000 |
| Securities available for sale | 12,644,000 | 11,911,000 | 12,290,000 | 12,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,118,000 | 76,655,000 | 76,330,000 | 84,888,000 |
| Interest-bearing deposits | 64,393,000 | 69,354,000 | 69,638,000 | 71,109,000 |
| Noninterest-bearing deposits | 7,725,000 | 7,301,000 | 6,692,000 | 13,779,000 |
| Equity capital | 8,117,000 | 8,018,000 | 8,304,000 | 8,507,000 |
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 | 1,431,000 | 2,779,000 | 4,143,000 | 5,409,000 |
| Interest expense | 697,000 | 1,400,000 | 2,083,000 | 2,742,000 |
| Net interest income | 734,000 | 1,379,000 | 2,060,000 | 2,667,000 |
| Noninterest income | 69,000 | 167,000 | 272,000 | 355,000 |
| Noninterest expense | 424,000 | 854,000 | 1,323,000 | 1,794,000 |
| Provision for loan losses | 75,000 | 140,000 | 220,000 | 340,000 |
| Pretax income | 304,000 | 552,000 | 789,000 | 888,000 |
| Income tax | 116,000 | 211,000 | 300,000 | 321,000 |
| Net income | 188,000 | 341,000 | 489,000 | 567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,058,000 | 8,214,000 | 8,364,000 | 8,446,000 |
| Total capital | 8,837,000 | 9,022,000 | 9,224,000 | 9,334,000 |
| Risk-weighted assets | 65,902,000 | 69,426,000 | 68,772,000 | 70,974,000 |