Call reports 2008
FIRST NATIONAL BANK OF EMORY, THE — 2008
What FIRST NATIONAL BANK OF EMORY, 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 | 89,830,000 | 88,408,000 | 90,054,000 | 94,375,000 |
| Total loans | 38,488,000 | 39,520,000 | 41,899,000 | 40,278,000 |
| Allowance for loan losses | 542,000 | 580,000 | 580,000 | 624,000 |
| Securities available for sale | 39,663,000 | 42,074,000 | 42,713,000 | 40,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,088,000 | 76,835,000 | 77,587,000 | 81,321,000 |
| Interest-bearing deposits | 60,044,000 | 58,840,000 | 60,424,000 | 63,561,000 |
| Noninterest-bearing deposits | 18,044,000 | 17,995,000 | 17,163,000 | 17,760,000 |
| Equity capital | 9,482,000 | 8,704,000 | 9,120,000 | 9,344,000 |
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 | 1,231,000 | 2,498,000 | 3,762,000 | 5,023,000 |
| Interest expense | 484,000 | 918,000 | 1,327,000 | 1,721,000 |
| Net interest income | 747,000 | 1,580,000 | 2,435,000 | 3,302,000 |
| Noninterest income | 164,000 | 334,000 | 517,000 | 686,000 |
| Noninterest expense | 615,000 | 1,262,000 | 1,891,000 | 2,514,000 |
| Provision for loan losses | 25,000 | 66,000 | 114,000 | 242,000 |
| Pretax income | 343,000 | 658,000 | 1,019,000 | 1,304,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 343,000 | 658,000 | 1,019,000 | 1,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,640,000 | 8,880,000 | 9,178,000 | 9,016,000 |
| Total capital | 9,140,000 | 9,399,000 | 9,719,000 | 9,558,000 |
| Risk-weighted assets | 40,727,000 | 41,440,000 | 42,948,000 | 42,889,000 |
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