Call reports 2008
FIRST NATIONAL BANK AND TRUST — 2008
What FIRST NATIONAL BANK AND TRUST 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 | 150,581,000 | 142,241,000 | 142,879,000 | 149,004,000 |
| Total loans | 80,509,000 | 78,187,000 | 77,965,000 | 79,082,000 |
| Allowance for loan losses | 2,991,000 | 2,407,000 | 2,414,000 | 2,183,000 |
| Securities available for sale | 54,704,000 | 56,148,000 | 58,458,000 | 55,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,037,000 | 115,628,000 | 116,107,000 | 124,973,000 |
| Interest-bearing deposits | 107,015,000 | 101,337,000 | 100,987,000 | 104,685,000 |
| Noninterest-bearing deposits | 20,022,000 | 14,291,000 | 15,120,000 | 20,288,000 |
| Equity capital | 21,248,000 | 21,064,000 | 21,459,000 | 21,605,000 |
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 | 2,319,000 | 4,570,000 | 6,743,000 | 8,899,000 |
| Interest expense | 885,000 | 1,650,000 | 2,354,000 | 3,032,000 |
| Net interest income | 1,434,000 | 2,920,000 | 4,389,000 | 5,867,000 |
| Noninterest income | 266,000 | 505,000 | 778,000 | 1,072,000 |
| Noninterest expense | 1,186,000 | 2,162,000 | 3,274,000 | 4,786,000 |
| Provision for loan losses | 0 | -600,000 | -600,000 | -100,000 |
| Pretax income | 514,000 | 1,863,000 | 2,493,000 | 2,253,000 |
| Income tax | 20,000 | 71,000 | 96,000 | 12,000 |
| Net income | 494,000 | 1,792,000 | 2,397,000 | 2,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,853,000 | 21,524,000 | 21,816,000 | 21,290,000 |
| Total capital | 22,111,000 | 22,660,000 | 23,023,000 | 22,521,000 |
| Risk-weighted assets | 98,880,000 | 96,227,000 | 95,380,000 | 97,493,000 |