Call reports 2008
FIRST BANK OF BELOIT — 2008
What FIRST BANK OF BELOIT 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 | 54,904,000 | 56,223,000 | 55,762,000 | 58,756,000 |
| Total loans | 33,906,000 | 35,016,000 | 33,204,000 | 35,102,000 |
| Allowance for loan losses | 398,000 | 430,000 | 432,000 | 431,000 |
| Securities available for sale | 15,437,000 | 15,401,000 | 15,068,000 | 15,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,456,000 | 49,014,000 | 48,406,000 | 51,257,000 |
| Interest-bearing deposits | 38,695,000 | 39,456,000 | 37,088,000 | 40,172,000 |
| Noninterest-bearing deposits | 8,761,000 | 9,558,000 | 11,318,000 | 11,085,000 |
| Equity capital | 6,392,000 | 6,247,000 | 6,375,000 | 6,494,000 |
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 | 828,000 | 1,623,000 | 2,393,000 | 3,116,000 |
| Interest expense | 317,000 | 589,000 | 827,000 | 1,036,000 |
| Net interest income | 511,000 | 1,034,000 | 1,566,000 | 2,080,000 |
| Noninterest income | 70,000 | 138,000 | 200,000 | 262,000 |
| Noninterest expense | 358,000 | 708,000 | 1,065,000 | 1,437,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 75,000 |
| Pretax income | 223,000 | 389,000 | 626,000 | 830,000 |
| Income tax | 57,000 | 92,000 | 154,000 | 218,000 |
| Net income | 166,000 | 297,000 | 472,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,296,000 | 6,307,000 | 6,403,000 | 6,393,000 |
| Total capital | 6,694,000 | 6,737,000 | 6,835,000 | 6,824,000 |
| Risk-weighted assets | 36,372,000 | 37,880,000 | 36,126,000 | 38,039,000 |
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