Call reports 2008
FIRST NATIONAL BANK AND TRUST COMPANY, THE — 2008
What FIRST NATIONAL BANK AND TRUST COMPANY, 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 | 613,351,000 | 624,231,000 | 603,146,000 | 639,969,000 |
| Total loans | 412,190,000 | 401,504,000 | 411,049,000 | 417,984,000 |
| Allowance for loan losses | 5,265,000 | 5,026,000 | 5,204,000 | 5,467,000 |
| Securities available for sale | 104,694,000 | 117,331,000 | 103,492,000 | 128,995,000 |
| Securities held to maturity | 47,624,000 | 45,847,000 | 43,971,000 | 40,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 493,720,000 | 516,070,000 | 493,110,000 | 518,440,000 |
| Interest-bearing deposits | 417,854,000 | 439,212,000 | 415,743,000 | 431,443,000 |
| Noninterest-bearing deposits | 75,866,000 | 76,858,000 | 77,367,000 | 86,997,000 |
| Equity capital | 59,314,000 | 58,882,000 | 59,681,000 | 61,424,000 |
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 | 8,480,000 | 16,399,000 | 24,473,000 | 32,238,000 |
| Interest expense | 3,743,000 | 6,957,000 | 10,124,000 | 12,954,000 |
| Net interest income | 4,737,000 | 9,442,000 | 14,349,000 | 19,284,000 |
| Noninterest income | 1,980,000 | 4,066,000 | 6,202,000 | 8,186,000 |
| Noninterest expense | 4,856,000 | 9,778,000 | 14,711,000 | 19,348,000 |
| Provision for loan losses | 193,000 | 719,000 | 932,000 | 1,589,000 |
| Pretax income | 1,668,000 | 3,011,000 | 4,908,000 | 6,533,000 |
| Income tax | 230,000 | 558,000 | 1,092,000 | 1,520,000 |
| Net income | 1,438,000 | 2,453,000 | 3,816,000 | 5,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,336,000 | 48,927,000 | 49,925,000 | 50,786,000 |
| Total capital | 53,601,000 | 53,953,000 | 55,129,000 | 56,253,000 |
| Risk-weighted assets | 458,280,000 | 444,788,000 | 437,505,000 | 478,744,000 |