Call reports 2008
FIRST NATIONAL BANK OF HICO, THE — 2008
What FIRST NATIONAL BANK OF HICO, 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 | 33,596,000 | 34,572,000 | 33,635,000 | 33,709,000 |
| Total loans | 14,091,000 | 14,367,000 | 14,253,000 | 14,012,000 |
| Allowance for loan losses | 166,000 | 166,000 | 174,000 | 229,000 |
| Securities available for sale | 3,665,000 | 2,994,000 | 2,166,000 | 2,848,000 |
| Securities held to maturity | 9,963,000 | 11,560,000 | 12,936,000 | 12,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,411,000 | 31,273,000 | 30,160,000 | 30,182,000 |
| Interest-bearing deposits | 22,203,000 | 22,879,000 | 21,353,000 | 21,579,000 |
| Noninterest-bearing deposits | 8,209,000 | 8,394,000 | 8,807,000 | 8,603,000 |
| Equity capital | 3,156,000 | 3,267,000 | 3,448,000 | 3,507,000 |
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 | 457,000 | 910,000 | 1,362,000 | 1,807,000 |
| Interest expense | 127,000 | 244,000 | 348,000 | 439,000 |
| Net interest income | 330,000 | 666,000 | 1,014,000 | 1,368,000 |
| Noninterest income | 95,000 | 183,000 | 269,000 | 352,000 |
| Noninterest expense | 269,000 | 538,000 | 803,000 | 1,113,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 78,000 |
| Pretax income | 156,000 | 311,000 | 472,000 | 531,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 311,000 | 472,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,127,000 | 3,281,000 | 3,443,000 | 3,502,000 |
| Total capital | 3,293,000 | 3,447,000 | 3,617,000 | 3,731,000 |
| Risk-weighted assets | 19,065,000 | 19,171,000 | 18,557,000 | 18,404,000 |