Call reports 2008
FIRST NATIONAL BANK OF DIGHTON, THE — 2008
What FIRST NATIONAL BANK OF DIGHTON, 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 | 49,323,000 | 47,525,000 | 48,246,000 | 47,768,000 |
| Total loans | 19,929,000 | 19,862,000 | 19,228,000 | 18,800,000 |
| Allowance for loan losses | 566,000 | 575,000 | 179,000 | 226,000 |
| Securities available for sale | 13,323,000 | 12,098,000 | 12,544,000 | 12,453,000 |
| Securities held to maturity | 7,341,000 | 7,507,000 | 7,603,000 | 7,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,504,000 | 35,864,000 | 36,529,000 | 36,212,000 |
| Interest-bearing deposits | 29,092,000 | 26,757,000 | 27,148,000 | 26,164,000 |
| Noninterest-bearing deposits | 8,412,000 | 9,107,000 | 9,381,000 | 10,048,000 |
| Equity capital | 11,540,000 | 11,508,000 | 11,526,000 | 11,336,000 |
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 | 657,000 | 1,265,000 | 1,818,000 | 2,331,000 |
| Interest expense | 145,000 | 242,000 | 324,000 | 399,000 |
| Net interest income | 512,000 | 1,023,000 | 1,494,000 | 1,932,000 |
| Noninterest income | 30,000 | 66,000 | 106,000 | 132,000 |
| Noninterest expense | 337,000 | 619,000 | 949,000 | 1,166,000 |
| Provision for loan losses | 0 | 0 | 400,000 | 700,000 |
| Pretax income | 205,000 | 470,000 | 251,000 | 198,000 |
| Income tax | 37,000 | 109,000 | 5,000 | -4,000 |
| Net income | 168,000 | 361,000 | 246,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,350,000 | 11,542,000 | 11,427,000 | 11,133,000 |
| Total capital | 11,677,000 | 11,865,000 | 11,606,000 | 11,359,000 |
| Risk-weighted assets | 25,934,000 | 25,580,000 | 25,417,000 | 25,184,000 |