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 | 58,211,000 | 54,323,000 | 55,063,000 | 54,469,000 |
| Total loans | 45,323,000 | 42,654,000 | 40,156,000 | 37,038,000 |
| Allowance for loan losses | 737,000 | 743,000 | 983,000 | 536,000 |
| Securities available for sale | 3,774,000 | 4,916,000 | 4,789,000 | 6,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,212,000 | 43,964,000 | 43,486,000 | 43,044,000 |
| Interest-bearing deposits | 40,564,000 | 37,527,000 | 35,055,000 | 36,363,000 |
| Noninterest-bearing deposits | 6,648,000 | 6,437,000 | 8,431,000 | 6,681,000 |
| Equity capital | 5,205,000 | 5,123,000 | 4,935,000 | 4,781,000 |
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 | 1,002,000 | 1,875,000 | 2,650,000 | 3,395,000 |
| Interest expense | 535,000 | 969,000 | 1,330,000 | 1,665,000 |
| Net interest income | 467,000 | 906,000 | 1,320,000 | 1,730,000 |
| Noninterest income | 121,000 | 235,000 | 300,000 | 371,000 |
| Noninterest expense | 531,000 | 1,038,000 | 1,530,000 | 2,037,000 |
| Provision for loan losses | 40,000 | 57,000 | 303,000 | 573,000 |
| Pretax income | 24,000 | 53,000 | -205,000 | -502,000 |
| Income tax | 0 | 2,000 | 3,000 | 5,000 |
| Net income | 24,000 | 51,000 | -208,000 | -507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,190,000 | 5,216,000 | 4,957,000 | 4,658,000 |
| Total capital | 5,725,000 | 5,719,000 | 5,449,000 | 5,133,000 |
| Risk-weighted assets | 42,608,000 | 39,973,000 | 38,908,000 | 37,919,000 |