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 | 51,934,000 | 66,293,000 | 75,703,000 | 64,179,000 |
| Total loans | 42,627,000 | 58,864,000 | 65,588,000 | 51,931,000 |
| Allowance for loan losses | 549,000 | 586,000 | 553,000 | 574,000 |
| Securities available for sale | 3,589,000 | 3,505,000 | 3,524,000 | 2,946,000 |
| Securities held to maturity | 25,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,998,000 | 56,950,000 | 65,510,000 | 54,656,000 |
| Interest-bearing deposits | 38,656,000 | 51,410,000 | 61,060,000 | 49,459,000 |
| Noninterest-bearing deposits | 4,342,000 | 5,540,000 | 4,450,000 | 5,197,000 |
| Equity capital | 8,609,000 | 9,020,000 | 9,640,000 | 9,200,000 |
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 | 1,546,000 | 3,258,000 | 5,262,000 | 6,882,000 |
| Interest expense | 471,000 | 919,000 | 1,464,000 | 1,973,000 |
| Net interest income | 1,075,000 | 2,339,000 | 3,798,000 | 4,909,000 |
| Noninterest income | 106,000 | 128,000 | 184,000 | 173,000 |
| Noninterest expense | 649,000 | 1,161,000 | 1,720,000 | 3,011,000 |
| Provision for loan losses | 486,000 | 552,000 | 588,000 | 650,000 |
| Pretax income | 46,000 | 754,000 | 1,674,000 | 1,421,000 |
| Income tax | 14,000 | 256,000 | 568,000 | 547,000 |
| Net income | 32,000 | 498,000 | 1,106,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,555,000 | 9,021,000 | 9,629,000 | 9,170,000 |
| Total capital | 9,104,000 | 9,607,000 | 10,182,000 | 9,744,000 |
| Risk-weighted assets | 44,226,000 | 59,104,000 | 66,205,000 | 54,088,000 |