Call reports 2008
FIRST NATIONAL BANK AND TRUST — 2008
What FIRST NATIONAL BANK AND 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 | 142,363,000 | 144,338,000 | 144,207,000 | 142,677,000 |
| Total loans | 95,977,000 | 99,977,000 | 100,571,000 | 96,940,000 |
| Allowance for loan losses | 1,181,000 | 1,208,000 | 1,228,000 | 1,117,000 |
| Securities available for sale | 27,438,000 | 26,438,000 | 25,951,000 | 26,503,000 |
| Securities held to maturity | 738,000 | 706,000 | 689,000 | 161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,694,000 | 113,535,000 | 120,408,000 | 118,302,000 |
| Interest-bearing deposits | 89,566,000 | 87,064,000 | 94,375,000 | 87,174,000 |
| Noninterest-bearing deposits | 26,128,000 | 26,471,000 | 26,033,000 | 31,128,000 |
| Equity capital | 15,995,000 | 15,357,000 | 15,387,000 | 15,961,000 |
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 | 2,185,000 | 4,332,000 | 6,345,000 | 8,249,000 |
| Interest expense | 1,000,000 | 1,854,000 | 2,655,000 | 3,376,000 |
| Net interest income | 1,185,000 | 2,478,000 | 3,690,000 | 4,873,000 |
| Noninterest income | 707,000 | 1,278,000 | 1,942,000 | 2,458,000 |
| Noninterest expense | 1,469,000 | 2,954,000 | 4,503,000 | 5,892,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 378,000 | 712,000 | 994,000 | 1,259,000 |
| Income tax | 21,000 | 40,000 | 56,000 | 26,000 |
| Net income | 357,000 | 672,000 | 938,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,344,000 | 15,220,000 | 15,315,000 | 15,507,000 |
| Total capital | 16,525,000 | 16,428,000 | 16,543,000 | 16,624,000 |
| Risk-weighted assets | 108,711,000 | 111,650,000 | 111,752,000 | 107,971,000 |