Call reports 2008
FNBT BANK — 2008
What FNBT BANK 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 | 371,565,000 | 358,658,000 | 353,228,000 | 338,625,000 |
| Total loans | 207,910,000 | 203,167,000 | 202,019,000 | 199,388,000 |
| Allowance for loan losses | 5,002,000 | 4,916,000 | 4,537,000 | 5,850,000 |
| Securities available for sale | 114,894,000 | 105,211,000 | 86,404,000 | 94,816,000 |
| Securities held to maturity | 747,000 | 730,000 | 713,000 | 695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,588,000 | 255,186,000 | 256,533,000 | 249,844,000 |
| Interest-bearing deposits | 246,597,000 | 235,409,000 | 239,422,000 | 234,793,000 |
| Noninterest-bearing deposits | 19,991,000 | 19,777,000 | 17,111,000 | 15,051,000 |
| Equity capital | 49,983,000 | 49,990,000 | 49,979,000 | 46,196,000 |
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 | 5,731,000 | 10,777,000 | 15,367,000 | 20,060,000 |
| Interest expense | 1,647,000 | 2,794,000 | 3,880,000 | 4,830,000 |
| Net interest income | 4,084,000 | 7,983,000 | 11,487,000 | 15,230,000 |
| Noninterest income | 2,865,000 | 5,610,000 | 8,034,000 | 10,683,000 |
| Noninterest expense | 4,474,000 | 9,151,000 | 13,507,000 | 18,071,000 |
| Provision for loan losses | 9,000 | 0 | 14,000 | 1,537,000 |
| Pretax income | 2,466,000 | 4,442,000 | 6,000,000 | 6,305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,466,000 | 4,442,000 | 6,000,000 | 6,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,478,000 | 48,803,000 | 49,491,000 | 43,796,000 |
| Total capital | 50,884,000 | 52,123,000 | 52,743,000 | 46,886,000 |
| Risk-weighted assets | 270,910,000 | 264,022,000 | 258,136,000 | 244,404,000 |