Call reports 2008
FIRST NATIONAL BANK OF MANCHESTER — 2008
What FIRST NATIONAL BANK OF MANCHESTER 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 | 183,455,000 | 183,181,000 | 183,490,000 | 185,783,000 |
| Total loans | 111,679,000 | 110,108,000 | 110,068,000 | 116,247,000 |
| Allowance for loan losses | 1,307,000 | 1,308,000 | 1,282,000 | 1,340,000 |
| Securities available for sale | 27,794,000 | 32,824,000 | 31,715,000 | 28,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,300,000 | 155,328,000 | 155,247,000 | 157,405,000 |
| Interest-bearing deposits | 126,883,000 | 124,920,000 | 126,201,000 | 127,900,000 |
| Noninterest-bearing deposits | 28,416,000 | 30,408,000 | 29,046,000 | 29,505,000 |
| Equity capital | 20,560,000 | 20,553,000 | 20,802,000 | 20,943,000 |
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 | 2,803,000 | 5,409,000 | 8,051,000 | 10,602,000 |
| Interest expense | 1,095,000 | 2,132,000 | 3,108,000 | 4,061,000 |
| Net interest income | 1,708,000 | 3,277,000 | 4,943,000 | 6,541,000 |
| Noninterest income | 336,000 | 686,000 | 1,068,000 | 1,497,000 |
| Noninterest expense | 1,007,000 | 2,013,000 | 3,002,000 | 4,150,000 |
| Provision for loan losses | 39,000 | 65,000 | 136,000 | 249,000 |
| Pretax income | 999,000 | 1,886,000 | 2,608,000 | 3,374,000 |
| Income tax | 330,000 | 621,000 | 966,000 | 1,242,000 |
| Net income | 669,000 | 1,265,000 | 1,642,000 | 2,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,373,000 | 20,753,000 | 20,628,000 | 20,605,000 |
| Total capital | 20,959,000 | 21,292,000 | 21,139,000 | 21,134,000 |
| Risk-weighted assets | 118,953,000 | 119,371,000 | 145,808,000 | 150,919,000 |