Call reports 2008
FIRST NATIONAL BANK OF BYERS, THE — 2008
What FIRST NATIONAL BANK OF BYERS, 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 | 80,449,000 | 83,041,000 | 84,120,000 | 83,430,000 |
| Total loans | 44,466,000 | 45,289,000 | 46,641,000 | 48,101,000 |
| Allowance for loan losses | 794,000 | 775,000 | 812,000 | 779,000 |
| Securities available for sale | 19,143,000 | 18,473,000 | 19,576,000 | 18,658,000 |
| Securities held to maturity | 430,000 | 428,000 | 320,000 | 1,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,266,000 | 72,966,000 | 73,738,000 | 73,024,000 |
| Interest-bearing deposits | 50,673,000 | 51,618,000 | 52,806,000 | 51,504,000 |
| Noninterest-bearing deposits | 19,592,000 | 21,348,000 | 20,932,000 | 21,520,000 |
| Equity capital | 9,953,000 | 9,781,000 | 9,982,000 | 10,187,000 |
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 | 1,149,000 | 2,289,000 | 3,417,000 | 4,586,000 |
| Interest expense | 307,000 | 555,000 | 794,000 | 1,021,000 |
| Net interest income | 842,000 | 1,734,000 | 2,623,000 | 3,565,000 |
| Noninterest income | 129,000 | 260,000 | 389,000 | 512,000 |
| Noninterest expense | 883,000 | 1,741,000 | 2,636,000 | 3,542,000 |
| Provision for loan losses | 0 | 0 | 0 | 24,000 |
| Pretax income | 88,000 | 253,000 | 376,000 | 511,000 |
| Income tax | 27,000 | 79,000 | 119,000 | 162,000 |
| Net income | 61,000 | 174,000 | 257,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,551,000 | 9,664,000 | 9,747,000 | 9,834,000 |
| Total capital | 10,182,000 | 10,311,000 | 10,402,000 | 10,508,000 |
| Risk-weighted assets | 50,283,000 | 51,670,000 | 52,244,000 | 53,781,000 |