Call reports 2008
FIRST NATIONAL BANK OF MERTZON, THE — 2008
What FIRST NATIONAL BANK OF MERTZON, 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 | 160,758,000 | 157,282,000 | 174,721,000 | 181,113,000 |
| Total loans | 41,232,000 | 39,450,000 | 38,696,000 | 39,421,000 |
| Allowance for loan losses | 529,000 | 567,000 | 578,000 | 643,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 94,798,000 | 94,090,000 | 114,006,000 | 118,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,653,000 | 139,900,000 | 156,866,000 | 164,833,000 |
| Interest-bearing deposits | 111,469,000 | 104,364,000 | 120,523,000 | 124,791,000 |
| Noninterest-bearing deposits | 32,184,000 | 35,536,000 | 36,343,000 | 40,042,000 |
| Equity capital | 16,207,000 | 16,623,000 | 17,130,000 | 15,842,000 |
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 | 1,854,000 | 3,606,000 | 5,386,000 | 7,212,000 |
| Interest expense | 612,000 | 1,133,000 | 1,623,000 | 2,072,000 |
| Net interest income | 1,242,000 | 2,473,000 | 3,763,000 | 5,140,000 |
| Noninterest income | 87,000 | 167,000 | 246,000 | 334,000 |
| Noninterest expense | 735,000 | 1,478,000 | 2,193,000 | 3,211,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 100,000 |
| Pretax income | 594,000 | 1,127,000 | 1,781,000 | 2,163,000 |
| Income tax | 118,000 | 235,000 | 382,000 | 420,000 |
| Net income | 476,000 | 892,000 | 1,399,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,207,000 | 16,623,000 | 17,130,000 | 15,842,000 |
| Total capital | 16,736,000 | 17,190,000 | 17,708,000 | 16,485,000 |
| Risk-weighted assets | 60,772,000 | 58,692,000 | 61,461,000 | 60,549,000 |
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