Call reports 2008
FIRST NATIONAL BANK OF VOLGA, THE — 2008
What FIRST NATIONAL BANK OF VOLGA, 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 | 35,225,000 | 35,756,000 | 36,251,000 | 36,785,000 |
| Total loans | 24,232,000 | 26,282,000 | 28,433,000 | 28,999,000 |
| Allowance for loan losses | 310,000 | 299,000 | 315,000 | 314,000 |
| Securities available for sale | 5,277,000 | 5,020,000 | 4,924,000 | 4,519,000 |
| Securities held to maturity | 59,000 | 56,000 | 54,000 | 52,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,398,000 | 32,036,000 | 32,378,000 | 32,812,000 |
| Interest-bearing deposits | 26,439,000 | 27,200,000 | 27,520,000 | 27,607,000 |
| Noninterest-bearing deposits | 4,959,000 | 4,836,000 | 4,858,000 | 5,205,000 |
| Equity capital | 3,593,000 | 3,507,000 | 3,668,000 | 3,779,000 |
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 | 535,000 | 1,100,000 | 1,677,000 | 2,276,000 |
| Interest expense | 204,000 | 405,000 | 610,000 | 811,000 |
| Net interest income | 331,000 | 695,000 | 1,067,000 | 1,465,000 |
| Noninterest income | 29,000 | 62,000 | 101,000 | 152,000 |
| Noninterest expense | 268,000 | 548,000 | 832,000 | 1,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 209,000 | 336,000 | 469,000 |
| Income tax | 13,000 | 17,000 | 22,000 | 26,000 |
| Net income | 79,000 | 192,000 | 314,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,527,000 | 3,542,000 | 3,665,000 | 3,695,000 |
| Total capital | 3,831,000 | 3,841,000 | 3,980,000 | 4,009,000 |
| Risk-weighted assets | 24,342,000 | 26,193,000 | 28,016,000 | 28,610,000 |
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