Call reports 2008
FNB COWETA — 2008
What FNB COWETA 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 | 63,678,000 | 63,758,000 | 63,577,000 | 66,005,000 |
| Total loans | 31,201,000 | 31,594,000 | 31,111,000 | 30,542,000 |
| Allowance for loan losses | 297,000 | 284,000 | 300,000 | 308,000 |
| Securities available for sale | 10,565,000 | 13,835,000 | 13,758,000 | 14,739,000 |
| Securities held to maturity | 6,640,000 | 6,870,000 | 5,918,000 | 5,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,331,000 | 58,564,000 | 58,220,000 | 60,640,000 |
| Interest-bearing deposits | 46,842,000 | 46,563,000 | 46,590,000 | 48,583,000 |
| Noninterest-bearing deposits | 11,489,000 | 12,001,000 | 11,630,000 | 12,057,000 |
| Equity capital | 5,107,000 | 4,901,000 | 4,992,000 | 5,268,000 |
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 | 896,000 | 1,812,000 | 2,713,000 | 3,591,000 |
| Interest expense | 314,000 | 612,000 | 888,000 | 1,140,000 |
| Net interest income | 582,000 | 1,200,000 | 1,825,000 | 2,451,000 |
| Noninterest income | 169,000 | 348,000 | 529,000 | 705,000 |
| Noninterest expense | 648,000 | 1,430,000 | 2,134,000 | 2,844,000 |
| Provision for loan losses | 15,000 | 15,000 | 30,000 | 45,000 |
| Pretax income | 88,000 | 103,000 | 190,000 | 267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 103,000 | 190,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,807,000 | 4,798,000 | 4,859,000 | 4,911,000 |
| Total capital | 5,104,000 | 5,082,000 | 5,159,000 | 5,219,000 |
| Risk-weighted assets | 34,483,000 | 35,008,000 | 34,649,000 | 34,861,000 |