Call reports 2008
FIRST NATIONAL BANK — 2008
What FIRST 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 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 223,787,000 | 220,348,000 | 214,671,000 | 213,111,000 |
| Total loans | 172,380,000 | 175,795,000 | 179,307,000 | 180,935,000 |
| Allowance for loan losses | 2,415,000 | 2,313,000 | 2,331,000 | 2,505,000 |
| Securities available for sale | 9,927,000 | 9,062,000 | 8,536,000 | 7,830,000 |
| Securities held to maturity | 236,000 | 236,000 | 236,000 | 236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,636,000 | 198,914,000 | 192,920,000 | 191,183,000 |
| Interest-bearing deposits | 172,526,000 | 167,551,000 | 160,309,000 | 161,169,000 |
| Noninterest-bearing deposits | 30,110,000 | 31,363,000 | 32,611,000 | 30,014,000 |
| Equity capital | 19,620,000 | 19,924,000 | 20,136,000 | 20,466,000 |
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 | 3,395,000 | 6,599,000 | 9,756,000 | 12,815,000 |
| Interest expense | 1,277,000 | 2,343,000 | 3,336,000 | 4,314,000 |
| Net interest income | 2,118,000 | 4,256,000 | 6,420,000 | 8,501,000 |
| Noninterest income | 429,000 | 849,000 | 1,283,000 | 1,914,000 |
| Noninterest expense | 1,792,000 | 3,645,000 | 5,575,000 | 7,708,000 |
| Provision for loan losses | 115,000 | 220,000 | 325,000 | 570,000 |
| Pretax income | 640,000 | 1,244,000 | 1,794,000 | 2,091,000 |
| Income tax | 210,000 | 400,000 | 560,000 | 577,000 |
| Net income | 430,000 | 844,000 | 1,234,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,441,000 | 19,854,000 | 20,031,000 | 20,311,000 |
| Total capital | 21,426,000 | 21,850,000 | 22,034,000 | 22,324,000 |
| Risk-weighted assets | 158,360,000 | 159,329,000 | 159,940,000 | 160,536,000 |