Call reports 2008
FIRST NATIONAL BANK — 2008
What FIRST NATIONAL BANK 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 | 225,585,000 | 229,599,000 | 229,334,000 | 234,645,000 |
| Total loans | 166,184,000 | 172,765,000 | 171,008,000 | 174,329,000 |
| Allowance for loan losses | 2,002,000 | 2,098,000 | 2,495,000 | 2,539,000 |
| Securities available for sale | 44,200,000 | 42,624,000 | 42,928,000 | 47,271,000 |
| Securities held to maturity | 2,385,000 | 2,384,000 | 2,383,000 | 1,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,317,000 | 191,436,000 | 191,017,000 | 192,334,000 |
| Interest-bearing deposits | 162,397,000 | 172,377,000 | 170,500,000 | 173,442,000 |
| Noninterest-bearing deposits | 23,920,000 | 19,059,000 | 20,517,000 | 18,892,000 |
| Equity capital | 23,368,000 | 22,939,000 | 22,205,000 | 23,303,000 |
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 | 3,612,000 | 7,121,000 | 10,676,000 | 14,126,000 |
| Interest expense | 1,468,000 | 2,792,000 | 4,089,000 | 5,308,000 |
| Net interest income | 2,144,000 | 4,329,000 | 6,587,000 | 8,818,000 |
| Noninterest income | 293,000 | 654,000 | 1,014,000 | 1,329,000 |
| Noninterest expense | 1,444,000 | 2,847,000 | 4,240,000 | 5,773,000 |
| Provision for loan losses | 135,000 | 270,000 | 325,000 | 400,000 |
| Pretax income | 883,000 | 1,924,000 | 3,085,000 | 4,023,000 |
| Income tax | 269,000 | 600,000 | 972,000 | 1,261,000 |
| Net income | 614,000 | 1,324,000 | 2,113,000 | 2,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,092,000 | 23,058,000 | 23,106,000 | 22,962,000 |
| Total capital | 25,094,000 | 25,156,000 | 25,282,000 | 25,178,000 |
| Risk-weighted assets | 170,977,000 | 176,272,000 | 173,785,000 | 177,005,000 |