Call reports 2008
FIRST NATIONAL BANK OF BENTON — 2008
What FIRST NATIONAL BANK OF BENTON 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 | 50,849,000 | 53,972,000 | 53,094,000 | 66,219,000 |
| Total loans | 18,179,000 | 17,884,000 | 16,654,000 | 18,525,000 |
| Allowance for loan losses | 570,000 | 569,000 | 564,000 | 522,000 |
| Securities available for sale | 19,320,000 | 20,225,000 | 20,014,000 | 26,293,000 |
| Securities held to maturity | 490,000 | 490,000 | 490,000 | 588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,339,000 | 45,691,000 | 44,584,000 | 57,944,000 |
| Interest-bearing deposits | 35,135,000 | 35,623,000 | 35,568,000 | 49,543,000 |
| Noninterest-bearing deposits | 7,204,000 | 10,068,000 | 9,016,000 | 8,401,000 |
| Equity capital | 7,916,000 | 7,839,000 | 8,015,000 | 7,861,000 |
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 | 823,000 | 1,396,000 | 1,962,000 | 2,493,000 |
| Interest expense | 207,000 | 375,000 | 536,000 | 661,000 |
| Net interest income | 616,000 | 1,021,000 | 1,426,000 | 1,832,000 |
| Noninterest income | 66,000 | 134,000 | 195,000 | 267,000 |
| Noninterest expense | 363,000 | 672,000 | 997,000 | 1,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 319,000 | 483,000 | 624,000 | 737,000 |
| Income tax | 106,000 | 160,000 | 207,000 | 229,000 |
| Net income | 213,000 | 323,000 | 417,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,633,000 | 7,707,000 | 7,801,000 | 7,532,000 |
| Total capital | 7,865,000 | 7,932,000 | 8,020,000 | 7,782,000 |
| Risk-weighted assets | 18,267,000 | 17,665,000 | 17,081,000 | 19,867,000 |