Call reports 2008
FIRST NATIONAL BANK & TRUST CO. IN LARNED — 2008
What FIRST NATIONAL BANK & TRUST CO. IN LARNED 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 | 56,787,000 | 54,809,000 | 52,000,000 | 53,857,000 |
| Total loans | 32,527,000 | 32,786,000 | 30,462,000 | 30,764,000 |
| Allowance for loan losses | 848,000 | 1,003,000 | 977,000 | 924,000 |
| Securities available for sale | 18,002,000 | 16,401,000 | 17,086,000 | 16,402,000 |
| Securities held to maturity | 1,316,000 | 1,290,000 | 269,000 | 252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,096,000 | 47,386,000 | 46,699,000 | 48,479,000 |
| Interest-bearing deposits | 38,889,000 | 37,314,000 | 36,813,000 | 37,453,000 |
| Noninterest-bearing deposits | 12,207,000 | 10,072,000 | 9,886,000 | 11,026,000 |
| Equity capital | 5,282,000 | 5,000,000 | 5,056,000 | 5,184,000 |
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 | 843,000 | 1,625,000 | 2,337,000 | 2,999,000 |
| Interest expense | 259,000 | 491,000 | 703,000 | 897,000 |
| Net interest income | 584,000 | 1,134,000 | 1,634,000 | 2,102,000 |
| Noninterest income | 65,000 | 139,000 | 223,000 | 332,000 |
| Noninterest expense | 474,000 | 911,000 | 1,378,000 | 1,805,000 |
| Provision for loan losses | 377,000 | 536,000 | 986,000 | 1,271,000 |
| Pretax income | -202,000 | -169,000 | -502,000 | -573,000 |
| Income tax | 33,000 | 32,000 | -214,000 | -241,000 |
| Net income | -235,000 | -201,000 | -288,000 | -332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,994,000 | 5,038,000 | 4,961,000 | 4,928,000 |
| Total capital | 5,467,000 | 5,490,000 | 5,396,000 | 5,357,000 |
| Risk-weighted assets | 37,427,000 | 35,644,000 | 34,224,000 | 33,864,000 |