Call reports 2008
FIRST NATIONAL BANK OF PANA — 2008
What FIRST NATIONAL BANK OF PANA 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 | 118,952,000 | 118,806,000 | 116,010,000 | 118,671,000 |
| Total loans | 88,377,000 | 90,713,000 | 93,696,000 | 93,693,000 |
| Allowance for loan losses | 768,000 | 870,000 | 923,000 | 901,000 |
| Securities available for sale | 8,773,000 | 8,371,000 | 8,291,000 | 7,439,000 |
| Securities held to maturity | 6,585,000 | 6,489,000 | 6,484,000 | 5,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,142,000 | 103,815,000 | 100,689,000 | 101,939,000 |
| Interest-bearing deposits | 87,424,000 | 91,239,000 | 88,780,000 | 90,660,000 |
| Noninterest-bearing deposits | 16,718,000 | 12,576,000 | 11,910,000 | 11,279,000 |
| Equity capital | 13,249,000 | 13,292,000 | 13,716,000 | 13,953,000 |
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 | 1,807,000 | 3,564,000 | 5,313,000 | 7,016,000 |
| Interest expense | 732,000 | 1,360,000 | 1,946,000 | 2,516,000 |
| Net interest income | 1,075,000 | 2,204,000 | 3,367,000 | 4,500,000 |
| Noninterest income | 243,000 | 501,000 | 750,000 | 1,003,000 |
| Noninterest expense | 766,000 | 1,513,000 | 2,274,000 | 3,262,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 209,000 |
| Pretax income | 552,000 | 1,102,000 | 1,703,000 | 2,042,000 |
| Income tax | 193,000 | 386,000 | 596,000 | 672,000 |
| Net income | 359,000 | 716,000 | 1,107,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,195,000 | 13,323,000 | 13,714,000 | 13,788,000 |
| Total capital | 13,963,000 | 14,193,000 | 14,637,000 | 14,689,000 |
| Risk-weighted assets | 87,276,000 | 92,461,000 | 89,224,000 | 95,988,000 |