Call reports 2008
FOUNTAIN TRUST COMPANY, THE — 2008
What FOUNTAIN TRUST COMPANY, 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 | 198,100,000 | 195,806,000 | 198,465,000 | 212,780,000 |
| Total loans | 106,246,000 | 107,568,000 | 111,557,000 | 111,643,000 |
| Allowance for loan losses | 1,225,000 | 1,255,000 | 1,355,000 | 1,550,000 |
| Securities available for sale | 65,374,000 | 60,521,000 | 64,133,000 | 72,944,000 |
| Securities held to maturity | 434,000 | 434,000 | 221,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,213,000 | 165,356,000 | 167,355,000 | 180,420,000 |
| Interest-bearing deposits | 141,818,000 | 140,398,000 | 143,447,000 | 150,945,000 |
| Noninterest-bearing deposits | 24,395,000 | 24,958,000 | 23,908,000 | 29,475,000 |
| Equity capital | 28,635,000 | 28,096,000 | 28,745,000 | 29,514,000 |
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 | 2,866,000 | 5,662,000 | 8,467,000 | 11,271,000 |
| Interest expense | 1,216,000 | 2,297,000 | 3,282,000 | 4,284,000 |
| Net interest income | 1,650,000 | 3,365,000 | 5,185,000 | 6,987,000 |
| Noninterest income | 371,000 | 790,000 | 1,238,000 | 1,647,000 |
| Noninterest expense | 1,240,000 | 2,644,000 | 4,058,000 | 5,563,000 |
| Provision for loan losses | 50,000 | 117,000 | 307,000 | 663,000 |
| Pretax income | 782,000 | 1,444,000 | 2,108,000 | 2,458,000 |
| Income tax | 274,000 | 524,000 | 722,000 | 819,000 |
| Net income | 508,000 | 920,000 | 1,386,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,685,000 | 27,028,000 | 27,423,000 | 27,388,000 |
| Total capital | 27,910,000 | 28,283,000 | 28,778,000 | 28,855,000 |
| Risk-weighted assets | 110,507,000 | 111,942,000 | 115,653,000 | 117,311,000 |
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