Call reports 2008
FIRST COMMUNITY STATE BANK — 2008
What FIRST COMMUNITY STATE 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 | 48,636,000 | 48,842,000 | 51,997,000 | 52,533,000 |
| Total loans | 37,496,000 | 40,596,000 | 44,343,000 | 44,174,000 |
| Allowance for loan losses | 256,000 | 256,000 | 414,000 | 414,000 |
| Securities available for sale | 6,689,000 | 3,474,000 | 2,505,000 | 1,929,000 |
| Securities held to maturity | 466,000 | 466,000 | 466,000 | 1,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,268,000 | 44,519,000 | 47,429,000 | 47,896,000 |
| Interest-bearing deposits | 39,153,000 | 40,038,000 | 43,637,000 | 43,594,000 |
| Noninterest-bearing deposits | 5,116,000 | 4,482,000 | 3,791,000 | 4,302,000 |
| Equity capital | 4,176,000 | 4,151,000 | 4,411,000 | 4,475,000 |
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 | 664,000 | 1,324,000 | 2,066,000 | 2,769,000 |
| Interest expense | 318,000 | 641,000 | 948,000 | 1,217,000 |
| Net interest income | 346,000 | 683,000 | 1,118,000 | 1,552,000 |
| Noninterest income | 81,000 | 164,000 | 239,000 | 292,000 |
| Noninterest expense | 384,000 | 750,000 | 1,134,000 | 1,541,000 |
| Provision for loan losses | 98,000 | 98,000 | -72,000 | -72,000 |
| Pretax income | -55,000 | -1,000 | 295,000 | 399,000 |
| Income tax | -14,000 | -14,000 | -14,000 | -9,000 |
| Net income | -41,000 | 13,000 | 309,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,150,000 | 4,108,000 | 4,394,000 | 4,450,000 |
| Total capital | 4,406,000 | 4,364,000 | 4,808,000 | 4,864,000 |
| Risk-weighted assets | 41,085,000 | 43,327,000 | 47,745,000 | 47,788,000 |