Call reports 2008
FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE — 2008
What FIRST NATIONAL BANK OF RUSSELL SPRINGS, 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 | 154,437,000 | 159,505,000 | 153,697,000 | 171,523,000 |
| Total loans | 83,839,000 | 82,825,000 | 81,366,000 | 80,985,000 |
| Allowance for loan losses | 1,150,000 | 1,168,000 | 1,178,000 | 1,193,000 |
| Securities available for sale | 52,836,000 | 63,248,000 | 63,038,000 | 61,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,082,000 | 136,666,000 | 130,830,000 | 147,553,000 |
| Interest-bearing deposits | 110,134,000 | 114,882,000 | 110,253,000 | 126,595,000 |
| Noninterest-bearing deposits | 20,948,000 | 21,784,000 | 20,577,000 | 20,958,000 |
| Equity capital | 20,971,000 | 20,458,000 | 20,470,000 | 21,383,000 |
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 | 2,360,000 | 4,670,000 | 6,992,000 | 9,259,000 |
| Interest expense | 980,000 | 1,970,000 | 2,924,000 | 3,829,000 |
| Net interest income | 1,380,000 | 2,700,000 | 4,068,000 | 5,430,000 |
| Noninterest income | 212,000 | 453,000 | 685,000 | 917,000 |
| Noninterest expense | 907,000 | 1,828,000 | 2,811,000 | 3,780,000 |
| Provision for loan losses | 35,000 | 65,000 | 80,000 | 95,000 |
| Pretax income | 650,000 | 1,260,000 | 1,867,000 | 2,477,000 |
| Income tax | 142,000 | 273,000 | 406,000 | 542,000 |
| Net income | 508,000 | 987,000 | 1,461,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,674,000 | 20,853,000 | 21,326,000 | 21,500,000 |
| Total capital | 21,829,000 | 22,026,000 | 22,501,000 | 22,698,000 |
| Risk-weighted assets | 96,992,000 | 96,727,000 | 94,009,000 | 96,249,000 |