Call reports 2008
FIRST NATIONAL BANK & TRUST — 2008
What FIRST NATIONAL BANK & TRUST 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 | 226,229,000 | 223,088,000 | 242,294,000 | 241,814,000 |
| Total loans | 137,783,000 | 144,251,000 | 148,229,000 | 151,842,000 |
| Allowance for loan losses | 1,589,000 | 1,568,000 | 1,566,000 | 1,968,000 |
| Securities available for sale | 70,945,000 | 63,734,000 | 62,017,000 | 59,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,198,000 | 168,723,000 | 179,408,000 | 181,909,000 |
| Interest-bearing deposits | 135,593,000 | 140,210,000 | 148,342,000 | 135,497,000 |
| Noninterest-bearing deposits | 28,605,000 | 28,513,000 | 31,066,000 | 46,412,000 |
| Equity capital | 23,550,000 | 23,510,000 | 22,685,000 | 23,218,000 |
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 | 3,446,000 | 6,677,000 | 9,919,000 | 13,018,000 |
| Interest expense | 1,304,000 | 2,427,000 | 3,592,000 | 4,653,000 |
| Net interest income | 2,142,000 | 4,250,000 | 6,327,000 | 8,365,000 |
| Noninterest income | 337,000 | 655,000 | 981,000 | 1,275,000 |
| Noninterest expense | 1,423,000 | 2,864,000 | 4,250,000 | 5,711,000 |
| Provision for loan losses | 98,000 | 206,000 | 315,000 | 724,000 |
| Pretax income | 969,000 | 1,872,000 | 1,493,000 | 1,292,000 |
| Income tax | 196,000 | 385,000 | 558,000 | -32,000 |
| Net income | 773,000 | 1,487,000 | 935,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,863,000 | 23,713,000 | 22,961,000 | 23,046,000 |
| Total capital | 24,452,000 | 25,281,000 | 24,527,000 | 25,014,000 |
| Risk-weighted assets | 182,416,000 | 182,677,000 | 186,532,000 | 164,026,000 |
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