Call reports 2008
FIRST NATIONAL BANK — 2008
What FIRST NATIONAL BANK 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 | 271,129,000 | 273,222,000 | 271,271,000 | 268,470,000 |
| Total loans | 209,075,000 | 212,086,000 | 210,916,000 | 211,042,000 |
| Allowance for loan losses | 2,672,000 | 2,747,000 | 2,821,000 | 7,233,000 |
| Securities available for sale | 40,919,000 | 39,374,000 | 35,645,000 | 36,405,000 |
| Securities held to maturity | 180,000 | 300,000 | 300,000 | 276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,306,000 | 229,576,000 | 226,922,000 | 226,747,000 |
| Interest-bearing deposits | 216,869,000 | 217,302,000 | 217,670,000 | 218,946,000 |
| Noninterest-bearing deposits | 9,437,000 | 12,274,000 | 9,252,000 | 7,801,000 |
| Equity capital | 27,478,000 | 26,567,000 | 27,379,000 | 25,378,000 |
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 | 4,558,000 | 8,842,000 | 13,002,000 | 16,801,000 |
| Interest expense | 2,648,000 | 5,093,000 | 7,383,000 | 9,555,000 |
| Net interest income | 1,910,000 | 3,749,000 | 5,619,000 | 7,246,000 |
| Noninterest income | 185,000 | 318,000 | 506,000 | 552,000 |
| Noninterest expense | 1,504,000 | 3,074,000 | 4,746,000 | 6,308,000 |
| Provision for loan losses | 60,000 | 135,000 | 220,000 | 4,970,000 |
| Pretax income | 548,000 | 874,000 | 1,159,000 | -3,379,000 |
| Income tax | 208,000 | 332,000 | 440,000 | -1,204,000 |
| Net income | 340,000 | 542,000 | 719,000 | -2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,683,000 | 27,815,000 | 27,820,000 | 24,795,000 |
| Total capital | 30,355,000 | 30,371,000 | 30,591,000 | 27,514,000 |
| Risk-weighted assets | 217,242,000 | 204,316,000 | 221,633,000 | 214,429,000 |