Call reports 2008
FIRST NATIONAL BANK OF SHINER, THE — 2008
What FIRST NATIONAL BANK OF SHINER, 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 | 103,879,000 | 103,802,000 | 105,412,000 | 104,762,000 |
| Total loans | 37,188,000 | 35,715,000 | 35,673,000 | 37,050,000 |
| Allowance for loan losses | 571,000 | 556,000 | 559,000 | 557,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 53,304,000 | 55,642,000 | 57,277,000 | 58,345,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,520,000 | 87,272,000 | 88,535,000 | 88,279,000 |
| Interest-bearing deposits | 71,193,000 | 72,300,000 | 73,636,000 | 74,219,000 |
| Noninterest-bearing deposits | 16,327,000 | 14,972,000 | 14,899,000 | 14,060,000 |
| Equity capital | 15,597,000 | 15,705,000 | 16,224,000 | 15,933,000 |
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 | 1,394,000 | 2,716,000 | 4,014,000 | 5,239,000 |
| Interest expense | 578,000 | 1,115,000 | 1,644,000 | 2,159,000 |
| Net interest income | 816,000 | 1,601,000 | 2,370,000 | 3,080,000 |
| Noninterest income | 49,000 | 96,000 | 142,000 | 202,000 |
| Noninterest expense | 391,000 | 809,000 | 1,181,000 | 1,671,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 444,000 | 860,000 | 1,303,000 | 1,583,000 |
| Income tax | 194,000 | 442,000 | 366,000 | 337,000 |
| Net income | 250,000 | 418,000 | 937,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,006,000 | 15,122,000 | 15,649,000 | 15,367,000 |
| Total capital | 15,577,000 | 15,678,000 | 16,208,000 | 15,924,000 |
| Risk-weighted assets | 49,027,000 | 48,054,000 | 48,777,000 | 50,023,000 |