Call reports 2008
FIRST NATIONAL BANK OF MCHENRY, THE — 2008
What FIRST NATIONAL BANK OF MCHENRY, 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 | 129,389,000 | 127,500,000 | 128,490,000 | 128,540,000 |
| Total loans | 73,878,000 | 76,313,000 | 78,784,000 | 79,748,000 |
| Allowance for loan losses | 879,000 | 591,000 | 636,000 | 725,000 |
| Securities available for sale | 41,502,000 | 39,503,000 | 35,907,000 | 37,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,780,000 | 110,372,000 | 110,559,000 | 111,579,000 |
| Interest-bearing deposits | 85,120,000 | 81,029,000 | 80,290,000 | 82,036,000 |
| Noninterest-bearing deposits | 29,660,000 | 29,343,000 | 30,269,000 | 29,543,000 |
| Equity capital | 13,638,000 | 13,547,000 | 13,206,000 | 12,875,000 |
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 | 1,715,000 | 3,407,000 | 5,075,000 | 6,779,000 |
| Interest expense | 725,000 | 1,326,000 | 1,887,000 | 2,420,000 |
| Net interest income | 990,000 | 2,081,000 | 3,188,000 | 4,359,000 |
| Noninterest income | 196,000 | 390,000 | 589,000 | 737,000 |
| Noninterest expense | 1,081,000 | 2,151,000 | 3,224,000 | 4,329,000 |
| Provision for loan losses | 0 | 15,000 | 60,000 | 150,000 |
| Pretax income | 162,000 | 417,000 | 607,000 | 731,000 |
| Income tax | 18,000 | 80,000 | 86,000 | 174,000 |
| Net income | 144,000 | 337,000 | 521,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,535,000 | 13,658,000 | 13,771,000 | 13,736,000 |
| Total capital | 14,414,000 | 14,250,000 | 14,407,000 | 14,462,000 |
| Risk-weighted assets | 78,810,000 | 78,121,000 | 78,505,000 | 82,257,000 |