Call reports 2008
FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION — 2008
What FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION 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 | 218,559,000 | 218,697,000 | 222,776,000 | 226,045,000 |
| Total loans | 146,217,000 | 152,797,000 | 158,002,000 | 162,069,000 |
| Allowance for loan losses | 1,575,000 | 1,465,000 | 1,233,000 | 1,305,000 |
| Securities available for sale | 48,196,000 | 46,625,000 | 41,592,000 | 39,019,000 |
| Securities held to maturity | 75,000 | 71,000 | 59,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,140,000 | 187,529,000 | 184,902,000 | 188,249,000 |
| Interest-bearing deposits | 166,282,000 | 162,211,000 | 160,312,000 | 161,855,000 |
| Noninterest-bearing deposits | 23,858,000 | 25,318,000 | 24,590,000 | 26,395,000 |
| Equity capital | 25,486,000 | 25,251,000 | 25,918,000 | 26,887,000 |
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 | 3,383,000 | 6,628,000 | 10,017,000 | 13,149,000 |
| Interest expense | 1,501,000 | 2,799,000 | 4,003,000 | 5,203,000 |
| Net interest income | 1,882,000 | 3,829,000 | 6,014,000 | 7,946,000 |
| Noninterest income | 442,000 | 761,000 | 1,121,000 | 1,428,000 |
| Noninterest expense | 1,464,000 | 3,036,000 | 4,495,000 | 5,908,000 |
| Provision for loan losses | 0 | 45,000 | 130,000 | 346,000 |
| Pretax income | 826,000 | 1,543,000 | 2,539,000 | 3,181,000 |
| Income tax | 289,000 | 572,000 | 921,000 | 1,130,000 |
| Net income | 537,000 | 971,000 | 1,618,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,928,000 | 24,362,000 | 25,009,000 | 25,442,000 |
| Total capital | 25,503,000 | 25,827,000 | 26,242,000 | 26,747,000 |
| Risk-weighted assets | 158,687,000 | 165,451,000 | 171,039,000 | 170,667,000 |