Call reports 2008
FIRST NATIONAL BANK OF OGDEN, THE — 2008
What FIRST NATIONAL BANK OF OGDEN, 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 | 82,046,000 | 82,605,000 | 81,185,000 | 80,434,000 |
| Total loans | 45,263,000 | 47,215,000 | 52,486,000 | 55,696,000 |
| Allowance for loan losses | 353,000 | 357,000 | 365,000 | 390,000 |
| Securities available for sale | 23,151,000 | 22,093,000 | 17,120,000 | 14,188,000 |
| Securities held to maturity | 3,590,000 | 4,396,000 | 5,018,000 | 4,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,315,000 | 75,632,000 | 73,905,000 | 72,998,000 |
| Interest-bearing deposits | 64,505,000 | 66,564,000 | 66,454,000 | 64,415,000 |
| Noninterest-bearing deposits | 9,810,000 | 9,068,000 | 7,451,000 | 8,583,000 |
| Equity capital | 5,736,000 | 5,651,000 | 5,823,000 | 5,967,000 |
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 | 1,061,000 | 2,150,000 | 3,273,000 | 4,379,000 |
| Interest expense | 488,000 | 917,000 | 1,323,000 | 1,713,000 |
| Net interest income | 573,000 | 1,233,000 | 1,950,000 | 2,666,000 |
| Noninterest income | 107,000 | 225,000 | 327,000 | 433,000 |
| Noninterest expense | 439,000 | 881,000 | 1,327,000 | 1,815,000 |
| Provision for loan losses | -39,000 | -35,000 | -24,000 | 0 |
| Pretax income | 280,000 | 612,000 | 976,000 | 1,295,000 |
| Income tax | 91,000 | 165,000 | 285,000 | 387,000 |
| Net income | 189,000 | 447,000 | 691,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,328,000 | 5,486,000 | 5,630,000 | 5,722,000 |
| Total capital | 5,681,000 | 5,843,000 | 5,995,000 | 6,112,000 |
| Risk-weighted assets | 46,054,000 | 47,828,000 | 53,160,000 | 55,496,000 |