Call reports 2008
FIRST NATIONAL BANK OF CRESTVIEW — 2008
What FIRST NATIONAL BANK OF CRESTVIEW 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 | 163,175,000 | 157,987,000 | 157,640,000 | 152,168,000 |
| Total loans | 92,656,000 | 91,829,000 | 88,322,000 | 87,583,000 |
| Allowance for loan losses | 1,309,000 | 1,464,000 | 1,330,000 | 1,649,000 |
| Securities available for sale | 47,949,000 | 45,363,000 | 44,277,000 | 43,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,803,000 | 138,131,000 | 137,252,000 | 132,125,000 |
| Interest-bearing deposits | 117,204,000 | 112,065,000 | 111,518,000 | 107,249,000 |
| Noninterest-bearing deposits | 25,599,000 | 26,066,000 | 25,734,000 | 24,876,000 |
| Equity capital | 18,601,000 | 18,227,000 | 18,699,000 | 18,626,000 |
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 | 2,396,000 | 4,664,000 | 6,765,000 | 8,730,000 |
| Interest expense | 1,034,000 | 1,951,000 | 2,752,000 | 3,488,000 |
| Net interest income | 1,362,000 | 2,713,000 | 4,013,000 | 5,242,000 |
| Noninterest income | 185,000 | 414,000 | 509,000 | 722,000 |
| Noninterest expense | 1,107,000 | 2,275,000 | 3,398,000 | 4,410,000 |
| Provision for loan losses | 0 | 210,000 | 270,000 | 796,000 |
| Pretax income | 515,000 | 718,000 | 930,000 | 834,000 |
| Income tax | 17,000 | 36,000 | 61,000 | 0 |
| Net income | 498,000 | 682,000 | 869,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,959,000 | 18,143,000 | 18,330,000 | 18,251,000 |
| Total capital | 19,268,000 | 19,589,000 | 19,660,000 | 19,635,000 |
| Risk-weighted assets | 117,191,000 | 115,698,000 | 113,470,000 | 110,422,000 |