Call reports 2008
NEFFS NATIONAL BANK, THE — 2008
What NEFFS NATIONAL BANK, 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 | 228,507,000 | 233,923,000 | 234,649,000 | 238,508,000 |
| Total loans | 95,084,000 | 98,070,000 | 99,721,000 | 100,953,000 |
| Allowance for loan losses | 636,000 | 650,000 | 687,000 | 761,000 |
| Securities available for sale | 38,585,000 | 39,377,000 | 38,431,000 | 37,950,000 |
| Securities held to maturity | 84,388,000 | 87,819,000 | 88,073,000 | 91,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,690,000 | 187,670,000 | 189,573,000 | 192,946,000 |
| Interest-bearing deposits | 168,445,000 | 171,034,000 | 173,632,000 | 176,198,000 |
| Noninterest-bearing deposits | 16,245,000 | 16,636,000 | 15,941,000 | 16,748,000 |
| Equity capital | 42,060,000 | 42,145,000 | 42,927,000 | 44,268,000 |
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 | 3,144,000 | 6,346,000 | 9,596,000 | 12,872,000 |
| Interest expense | 1,597,000 | 3,134,000 | 4,637,000 | 6,122,000 |
| Net interest income | 1,547,000 | 3,212,000 | 4,959,000 | 6,750,000 |
| Noninterest income | 61,000 | 125,000 | 197,000 | 259,000 |
| Noninterest expense | 685,000 | 1,415,000 | 2,150,000 | 2,908,000 |
| Provision for loan losses | 15,000 | 30,000 | 68,000 | 145,000 |
| Pretax income | 910,000 | 1,894,000 | 2,941,000 | 3,963,000 |
| Income tax | 184,000 | 394,000 | 641,000 | 863,000 |
| Net income | 726,000 | 1,500,000 | 2,300,000 | 3,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,063,000 | 42,706,000 | 43,095,000 | 43,826,000 |
| Total capital | 42,699,000 | 43,356,000 | 43,782,000 | 44,587,000 |
| Risk-weighted assets | 112,224,000 | 114,805,000 | 115,354,000 | 115,835,000 |