Call reports 2008
SECOND NATIONAL BANK — 2008
What SECOND NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 447,380,000 | 451,601,000 |
| Total loans | 249,539,000 | 256,434,000 |
| Allowance for loan losses | 4,305,000 | 4,357,000 |
| Securities available for sale | 107,374,000 | 99,876,000 |
| Securities held to maturity | 13,796,000 | 13,793,000 |
| Trading assets | 0 | 0 |
| Total deposits | 259,763,000 | 267,570,000 |
| Interest-bearing deposits | 221,272,000 | 227,376,000 |
| Noninterest-bearing deposits | 38,491,000 | 40,194,000 |
| Equity capital | 23,569,000 | 23,221,000 |
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 |
|---|---|---|
| Interest income | 6,227,000 | 12,434,000 |
| Interest expense | 2,787,000 | 5,332,000 |
| Net interest income | 3,440,000 | 7,102,000 |
| Noninterest income | 721,000 | 1,351,000 |
| Noninterest expense | 1,952,000 | 3,888,000 |
| Provision for loan losses | 290,000 | 610,000 |
| Pretax income | 1,919,000 | 3,955,000 |
| Income tax | 601,000 | 1,242,000 |
| Net income | 1,318,000 | 2,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 22,989,000 | 23,886,000 |
| Total capital | 28,910,000 | 29,875,000 |
| Risk-weighted assets | 272,257,000 | 277,819,000 |