Call reports 2008
FIRST NATIONAL BANK USA — 2008
What FIRST NATIONAL BANK USA 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 | 248,890,000 | 258,521,000 | 233,098,000 | 225,842,000 |
| Total loans | 235,136,000 | 240,769,000 | 206,005,000 | 200,652,000 |
| Allowance for loan losses | 2,548,000 | 2,834,000 | 3,074,000 | 4,473,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,958,000 | 202,842,000 | 188,711,000 | 183,469,000 |
| Interest-bearing deposits | 172,531,000 | 177,639,000 | 167,978,000 | 156,463,000 |
| Noninterest-bearing deposits | 30,427,000 | 25,203,000 | 20,733,000 | 27,006,000 |
| Equity capital | 23,678,000 | 24,138,000 | 22,975,000 | 21,310,000 |
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 | 4,496,000 | 8,656,000 | 12,273,000 | 15,665,000 |
| Interest expense | 2,015,000 | 3,813,000 | 5,501,000 | 7,138,000 |
| Net interest income | 2,481,000 | 4,843,000 | 6,772,000 | 8,527,000 |
| Noninterest income | 666,000 | 1,234,000 | 2,079,000 | 2,562,000 |
| Noninterest expense | 2,343,000 | 4,643,000 | 6,930,000 | 9,133,000 |
| Provision for loan losses | 0 | 0 | 1,300,000 | 3,000,000 |
| Pretax income | 804,000 | 1,434,000 | 621,000 | -1,044,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 804,000 | 1,434,000 | 621,000 | -1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,678,000 | 24,138,000 | 22,975,000 | 21,310,000 |
| Total capital | 26,226,000 | 26,779,000 | 25,345,000 | 23,565,000 |
| Risk-weighted assets | 204,880,000 | 212,164,000 | 191,244,000 | 178,219,000 |