Call reports 2008
FIRST NATIONAL BANK OF GRANBURY, THE — 2008
What FIRST NATIONAL BANK OF GRANBURY, 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 | 341,142,000 | 349,164,000 | 348,804,000 | 364,122,000 |
| Total loans | 153,154,000 | 158,811,000 | 168,894,000 | 167,125,000 |
| Allowance for loan losses | 1,309,000 | 1,270,000 | 1,365,000 | 1,554,000 |
| Securities available for sale | 133,491,000 | 125,837,000 | 121,155,000 | 132,410,000 |
| Securities held to maturity | 16,719,000 | 17,636,000 | 17,129,000 | 16,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,054,000 | 313,558,000 | 311,727,000 | 325,322,000 |
| Interest-bearing deposits | 238,276,000 | 240,958,000 | 240,072,000 | 256,124,000 |
| Noninterest-bearing deposits | 65,778,000 | 72,600,000 | 71,655,000 | 69,198,000 |
| Equity capital | 34,939,000 | 34,167,000 | 35,684,000 | 36,854,000 |
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 | 4,737,000 | 9,382,000 | 14,051,000 | 18,487,000 |
| Interest expense | 1,859,000 | 3,453,000 | 4,951,000 | 6,360,000 |
| Net interest income | 2,878,000 | 5,929,000 | 9,100,000 | 12,127,000 |
| Noninterest income | 710,000 | 1,447,000 | 2,269,000 | 2,967,000 |
| Noninterest expense | 2,312,000 | 4,622,000 | 6,843,000 | 9,631,000 |
| Provision for loan losses | 18,000 | 120,000 | 302,000 | 624,000 |
| Pretax income | 1,363,000 | 2,739,000 | 4,328,000 | 4,943,000 |
| Income tax | 426,000 | 813,000 | 1,253,000 | 1,509,000 |
| Net income | 937,000 | 1,926,000 | 3,075,000 | 3,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,742,000 | 33,733,000 | 34,882,000 | 34,416,000 |
| Total capital | 34,195,000 | 35,146,000 | 36,390,000 | 36,113,000 |
| Risk-weighted assets | 176,061,000 | 179,397,000 | 185,095,000 | 182,213,000 |