Call reports 2008
FIRST NATIONAL BANK OF OKAWVILLE, THE — 2008
What FIRST NATIONAL BANK OF OKAWVILLE, THE 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 | 44,962,000 | 41,489,000 | 41,412,000 | 43,406,000 |
| Total loans | 23,112,000 | 22,852,000 | 22,742,000 | 23,770,000 |
| Allowance for loan losses | 268,000 | 272,000 | 275,000 | 450,000 |
| Securities available for sale | 8,576,000 | 10,273,000 | 11,120,000 | 10,361,000 |
| Securities held to maturity | 3,739,000 | 4,261,000 | 4,665,000 | 4,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,559,000 | 35,258,000 | 35,141,000 | 37,082,000 |
| Interest-bearing deposits | 30,702,000 | 29,810,000 | 29,412,000 | 30,564,000 |
| Noninterest-bearing deposits | 7,857,000 | 5,448,000 | 5,729,000 | 6,518,000 |
| Equity capital | 6,030,000 | 5,899,000 | 5,952,000 | 5,969,000 |
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 | 636,000 | 1,201,000 | 1,722,000 | 2,231,000 |
| Interest expense | 232,000 | 451,000 | 668,000 | 883,000 |
| Net interest income | 404,000 | 750,000 | 1,054,000 | 1,348,000 |
| Noninterest income | 31,000 | 55,000 | 83,000 | 114,000 |
| Noninterest expense | 296,000 | 594,000 | 887,000 | 1,194,000 |
| Provision for loan losses | 2,000 | 6,000 | 9,000 | 189,000 |
| Pretax income | 137,000 | 205,000 | 241,000 | 79,000 |
| Income tax | 38,000 | 49,000 | 47,000 | -29,000 |
| Net income | 99,000 | 156,000 | 194,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,931,000 | 5,947,000 | 5,943,000 | 5,816,000 |
| Total capital | 6,203,000 | 6,223,000 | 6,222,000 | 6,162,000 |
| Risk-weighted assets | 26,499,000 | 26,352,000 | 26,418,000 | 27,548,000 |