Call reports 2008
FIRST NATIONAL BANK — 2008
What FIRST NATIONAL BANK 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 | 388,375,000 | 399,302,000 | 395,805,000 | 436,583,000 |
| Total loans | 293,585,000 | 301,309,000 | 299,879,000 | 292,689,000 |
| Allowance for loan losses | 3,902,000 | 4,792,000 | 4,609,000 | 4,888,000 |
| Securities available for sale | 51,136,000 | 54,616,000 | 52,490,000 | 52,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,765,000 | 330,209,000 | 329,160,000 | 372,437,000 |
| Interest-bearing deposits | 288,833,000 | 299,289,000 | 302,290,000 | 342,954,000 |
| Noninterest-bearing deposits | 28,932,000 | 30,920,000 | 26,870,000 | 29,483,000 |
| Equity capital | 38,111,000 | 36,367,000 | 35,413,000 | 35,448,000 |
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 | 5,957,000 | 11,439,000 | 16,840,000 | 21,757,000 |
| Interest expense | 2,556,000 | 4,800,000 | 7,168,000 | 9,739,000 |
| Net interest income | 3,401,000 | 6,639,000 | 9,672,000 | 12,018,000 |
| Noninterest income | 782,000 | 735,000 | 1,641,000 | 2,094,000 |
| Noninterest expense | 3,057,000 | 6,069,000 | 8,979,000 | 11,799,000 |
| Provision for loan losses | 147,000 | 1,385,000 | 2,899,000 | 4,010,000 |
| Pretax income | 979,000 | -80,000 | -565,000 | -1,693,000 |
| Income tax | 266,000 | -251,000 | -552,000 | -1,120,000 |
| Net income | 713,000 | 171,000 | -13,000 | -573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,441,000 | 36,475,000 | 35,691,000 | 34,983,000 |
| Total capital | 41,343,000 | 40,621,000 | 39,803,000 | 38,959,000 |
| Risk-weighted assets | 324,241,000 | 331,047,000 | 328,467,000 | 317,204,000 |