Call reports 2008
FIRST NATIONAL BANK OF THE MID-CITES — 2008
What FIRST NATIONAL BANK OF THE MID-CITES 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 | 39,638,000 | 35,540,000 | 35,752,000 | 33,523,000 |
| Total loans | 18,906,000 | 21,562,000 | 22,697,000 | 23,412,000 |
| Allowance for loan losses | 254,000 | 231,000 | 216,000 | 174,000 |
| Securities available for sale | 1,504,000 | 4,949,000 | 3,987,000 | 4,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,449,000 | 31,549,000 | 31,802,000 | 29,709,000 |
| Interest-bearing deposits | 22,670,000 | 20,000,000 | 20,087,000 | 18,158,000 |
| Noninterest-bearing deposits | 12,779,000 | 11,549,000 | 11,715,000 | 11,551,000 |
| Equity capital | 3,639,000 | 3,503,000 | 3,458,000 | 3,333,000 |
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 | 511,000 | 954,000 | 1,482,000 | 2,018,000 |
| Interest expense | 227,000 | 419,000 | 598,000 | 757,000 |
| Net interest income | 284,000 | 535,000 | 884,000 | 1,261,000 |
| Noninterest income | 256,000 | 498,000 | 800,000 | 988,000 |
| Noninterest expense | 668,000 | 1,313,000 | 2,065,000 | 2,822,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 10,000 |
| Pretax income | -128,000 | -280,000 | -388,000 | -583,000 |
| Income tax | -43,000 | -94,000 | -132,000 | -200,000 |
| Net income | -85,000 | -186,000 | -256,000 | -383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,639,000 | 3,536,000 | 3,471,000 | 3,340,000 |
| Total capital | 3,893,000 | 3,767,000 | 3,687,000 | 3,514,000 |
| Risk-weighted assets | 25,497,000 | 26,717,000 | 27,843,000 | 27,378,000 |