Call reports 2008
FIRST NATIONAL BANK OF CARMI, THE — 2008
What FIRST NATIONAL BANK OF CARMI, 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 | 250,101,000 | 237,722,000 | 233,386,000 | 247,319,000 |
| Total loans | 144,184,000 | 151,330,000 | 162,619,000 | 169,482,000 |
| Allowance for loan losses | 1,676,000 | 1,763,000 | 1,913,000 | 2,451,000 |
| Securities available for sale | 68,365,000 | 62,058,000 | 48,896,000 | 43,368,000 |
| Securities held to maturity | 0 | 0 | 555,000 | 555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,613,000 | 215,489,000 | 211,125,000 | 221,037,000 |
| Interest-bearing deposits | 209,576,000 | 199,216,000 | 195,159,000 | 203,824,000 |
| Noninterest-bearing deposits | 17,037,000 | 16,273,000 | 15,966,000 | 17,213,000 |
| Equity capital | 21,697,000 | 20,927,000 | 20,386,000 | 20,165,000 |
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 | 3,521,000 | 6,846,000 | 10,116,000 | 13,160,000 |
| Interest expense | 1,614,000 | 2,897,000 | 3,970,000 | 5,038,000 |
| Net interest income | 1,907,000 | 3,949,000 | 6,146,000 | 8,122,000 |
| Noninterest income | 620,000 | 1,296,000 | 1,921,000 | 2,454,000 |
| Noninterest expense | 1,918,000 | 3,884,000 | 6,075,000 | 8,425,000 |
| Provision for loan losses | 40,000 | 225,000 | 456,000 | 1,223,000 |
| Pretax income | 569,000 | 1,136,000 | 1,272,000 | 459,000 |
| Income tax | 170,000 | 339,000 | 360,000 | 68,000 |
| Net income | 399,000 | 797,000 | 912,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,749,000 | 18,900,000 | 18,900,000 | 18,329,000 |
| Total capital | 20,425,000 | 20,663,000 | 20,812,000 | 20,616,000 |
| Risk-weighted assets | 162,890,000 | 168,367,000 | 175,849,000 | 182,765,000 |
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