Call reports 2008
FIRST NATIONAL BANK OF COLERAINE, THE — 2008
What FIRST NATIONAL BANK OF COLERAINE, 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 | 62,300,000 | 63,492,000 | 64,953,000 | 64,481,000 |
| Total loans | 31,424,000 | 31,399,000 | 30,943,000 | 30,111,000 |
| Allowance for loan losses | 232,000 | 233,000 | 237,000 | 239,000 |
| Securities available for sale | 25,277,000 | 27,019,000 | 27,305,000 | 29,244,000 |
| Securities held to maturity | 605,000 | 594,000 | 583,000 | 1,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,874,000 | 56,913,000 | 59,310,000 | 58,375,000 |
| Interest-bearing deposits | 40,686,000 | 50,213,000 | 51,962,000 | 50,738,000 |
| Noninterest-bearing deposits | 15,188,000 | 6,700,000 | 7,348,000 | 7,637,000 |
| Equity capital | 5,173,000 | 4,642,000 | 4,926,000 | 5,277,000 |
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 | 889,000 | 1,725,000 | 2,576,000 | 3,439,000 |
| Interest expense | 416,000 | 817,000 | 1,206,000 | 1,575,000 |
| Net interest income | 473,000 | 908,000 | 1,370,000 | 1,864,000 |
| Noninterest income | 81,000 | 186,000 | 307,000 | 397,000 |
| Noninterest expense | 421,000 | 872,000 | 1,314,000 | 1,784,000 |
| Provision for loan losses | 4,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 129,000 | 214,000 | 355,000 | 469,000 |
| Income tax | 28,000 | 49,000 | 91,000 | 128,000 |
| Net income | 101,000 | 165,000 | 264,000 | 341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,789,000 | 4,754,000 | 4,852,000 | 4,809,000 |
| Total capital | 5,021,000 | 4,987,000 | 5,089,000 | 5,048,000 |
| Risk-weighted assets | 32,922,000 | 33,408,000 | 32,862,000 | 32,040,000 |