Call reports 2008
FIRST NATIONAL BANK OF ANDERSON, THE — 2008
What FIRST NATIONAL BANK OF ANDERSON, 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 | 117,134,000 | 112,799,000 | 118,845,000 | 119,316,000 |
| Total loans | 54,269,000 | 60,186,000 | 60,123,000 | 62,836,000 |
| Allowance for loan losses | 997,000 | 1,036,000 | 1,093,000 | 1,064,000 |
| Securities available for sale | 39,384,000 | 31,520,000 | 33,930,000 | 31,313,000 |
| Securities held to maturity | 5,010,000 | 3,944,000 | 3,560,000 | 3,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,925,000 | 100,952,000 | 106,396,000 | 106,813,000 |
| Interest-bearing deposits | 81,785,000 | 76,793,000 | 78,335,000 | 81,038,000 |
| Noninterest-bearing deposits | 23,140,000 | 24,159,000 | 28,061,000 | 25,775,000 |
| Equity capital | 10,968,000 | 10,631,000 | 11,156,000 | 11,306,000 |
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 | 1,643,000 | 3,187,000 | 4,742,000 | 6,223,000 |
| Interest expense | 684,000 | 1,293,000 | 1,849,000 | 2,336,000 |
| Net interest income | 959,000 | 1,894,000 | 2,893,000 | 3,887,000 |
| Noninterest income | 222,000 | 450,000 | 714,000 | 982,000 |
| Noninterest expense | 675,000 | 1,425,000 | 2,234,000 | 3,155,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 464,000 | 849,000 | 1,258,000 | 1,554,000 |
| Income tax | 173,000 | 325,000 | 479,000 | 513,000 |
| Net income | 291,000 | 524,000 | 779,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,701,000 | 10,935,000 | 11,189,000 | 11,086,000 |
| Total capital | 11,466,000 | 11,749,000 | 12,021,000 | 11,933,000 |
| Risk-weighted assets | 60,195,000 | 64,154,000 | 65,540,000 | 66,815,000 |