Call reports 2008
ARCOLA FIRST BANK — 2008
What ARCOLA FIRST 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 | 98,559,000 | 98,581,000 | 96,602,000 | 101,521,000 |
| Total loans | 21,243,000 | 22,782,000 | 24,107,000 | 24,882,000 |
| Allowance for loan losses | 656,000 | 656,000 | 656,000 | 676,000 |
| Securities available for sale | 73,920,000 | 71,671,000 | 64,645,000 | 71,520,000 |
| Securities held to maturity | 75,000 | 145,000 | 145,000 | 70,000 |
| Trading assets | 13,000 | 13,000 | 13,000 | 13,000 |
| Total deposits | 84,711,000 | 85,466,000 | 84,275,000 | 87,931,000 |
| Interest-bearing deposits | 75,455,000 | 75,580,000 | 74,708,000 | 77,590,000 |
| Noninterest-bearing deposits | 9,256,000 | 9,886,000 | 9,567,000 | 10,341,000 |
| Equity capital | 13,045,000 | 11,929,000 | 11,903,000 | 13,047,000 |
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 | 1,041,000 | 2,106,000 | 3,172,000 | 4,257,000 |
| Interest expense | 559,000 | 1,076,000 | 1,565,000 | 2,010,000 |
| Net interest income | 482,000 | 1,030,000 | 1,607,000 | 2,247,000 |
| Noninterest income | 66,000 | 143,000 | 215,000 | 279,000 |
| Noninterest expense | 489,000 | 977,000 | 1,486,000 | 1,997,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 358,000 | 548,000 | 741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 221,000 | 358,000 | 548,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,864,000 | 11,844,000 | 11,957,000 | 12,149,000 |
| Total capital | 12,283,000 | 12,281,000 | 12,403,000 | 12,635,000 |
| Risk-weighted assets | 33,257,000 | 34,720,000 | 35,452,000 | 38,695,000 |
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