Call reports 2008
FIRST NATIONAL BANK OF ELMER — 2008
What FIRST NATIONAL BANK OF ELMER 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 | 214,145,000 | 219,020,000 | 219,690,000 | 215,442,000 |
| Total loans | 194,230,000 | 193,452,000 | 189,467,000 | 189,996,000 |
| Allowance for loan losses | 1,944,000 | 1,909,000 | 1,939,000 | 1,946,000 |
| Securities available for sale | 1,919,000 | 3,824,000 | 3,194,000 | 3,263,000 |
| Securities held to maturity | 5,783,000 | 4,465,000 | 7,128,000 | 7,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,254,000 | 199,395,000 | 199,746,000 | 195,421,000 |
| Interest-bearing deposits | 178,978,000 | 185,491,000 | 185,674,000 | 184,293,000 |
| Noninterest-bearing deposits | 14,276,000 | 13,904,000 | 14,072,000 | 11,128,000 |
| Equity capital | 17,910,000 | 18,330,000 | 18,171,000 | 18,457,000 |
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 | 3,427,000 | 6,814,000 | 10,126,000 | 13,306,000 |
| Interest expense | 1,220,000 | 2,382,000 | 3,495,000 | 4,528,000 |
| Net interest income | 2,207,000 | 4,432,000 | 6,631,000 | 8,778,000 |
| Noninterest income | 261,000 | 526,000 | 793,000 | 1,068,000 |
| Noninterest expense | 1,724,000 | 3,494,000 | 5,374,000 | 7,306,000 |
| Provision for loan losses | 3,000 | 6,000 | 38,000 | 71,000 |
| Pretax income | 741,000 | 1,458,000 | 2,012,000 | 2,469,000 |
| Income tax | 216,000 | 496,000 | 746,000 | 955,000 |
| Net income | 525,000 | 962,000 | 1,266,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,996,000 | 18,424,000 | 18,268,000 | 18,516,000 |
| Total capital | 19,980,000 | 20,373,000 | 20,247,000 | 20,502,000 |
| Risk-weighted assets | 179,795,000 | 177,919,000 | 175,455,000 | 174,690,000 |