Call reports 2008
FIRST NATIONAL BANK OF CHILLICOTHE — 2008
What FIRST NATIONAL BANK OF CHILLICOTHE 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 | 84,855,000 | 82,841,000 | 83,627,000 | 81,416,000 |
| Total loans | 43,924,000 | 44,566,000 | 47,258,000 | 48,448,000 |
| Allowance for loan losses | 173,000 | 166,000 | 183,000 | 158,000 |
| Securities available for sale | 36,891,000 | 33,764,000 | 32,487,000 | 28,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,692,000 | 63,959,000 | 60,632,000 | 62,651,000 |
| Interest-bearing deposits | 57,178,000 | 58,251,000 | 55,300,000 | 56,960,000 |
| Noninterest-bearing deposits | 5,514,000 | 5,708,000 | 5,332,000 | 5,691,000 |
| Equity capital | 6,839,000 | 5,896,000 | 5,643,000 | 5,874,000 |
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 | 1,200,000 | 2,368,000 | 3,562,000 | 4,765,000 |
| Interest expense | 677,000 | 1,269,000 | 1,825,000 | 2,345,000 |
| Net interest income | 523,000 | 1,099,000 | 1,737,000 | 2,420,000 |
| Noninterest income | 41,000 | 84,000 | 127,000 | 168,000 |
| Noninterest expense | 414,000 | 799,000 | 1,194,000 | 1,682,000 |
| Provision for loan losses | -34,000 | -30,000 | -9,000 | -30,000 |
| Pretax income | 184,000 | 414,000 | 679,000 | 936,000 |
| Income tax | 0 | 2,000 | 5,000 | 7,000 |
| Net income | 184,000 | 412,000 | 674,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,039,000 | 6,928,000 | 6,972,000 | 6,972,000 |
| Total capital | 7,212,000 | 7,094,000 | 7,155,000 | 7,130,000 |
| Risk-weighted assets | 48,827,000 | 48,702,000 | 50,893,000 | 50,830,000 |