Call reports 2008
BANK OF BEAVER CITY, THE — 2008
What BANK OF BEAVER CITY, 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 | 109,795,000 | 110,375,000 | 116,825,000 | 120,911,000 |
| Total loans | 68,200,000 | 72,351,000 | 75,886,000 | 77,894,000 |
| Allowance for loan losses | 680,000 | 686,000 | 732,000 | 819,000 |
| Securities available for sale | 25,381,000 | 25,666,000 | 26,754,000 | 27,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,759,000 | 93,715,000 | 99,141,000 | 106,757,000 |
| Interest-bearing deposits | 80,421,000 | 81,533,000 | 86,186,000 | 95,163,000 |
| Noninterest-bearing deposits | 12,338,000 | 12,182,000 | 12,955,000 | 11,593,000 |
| Equity capital | 8,140,000 | 7,845,000 | 8,219,000 | 8,638,000 |
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 | 1,583,000 | 3,284,000 | 5,035,000 | 6,766,000 |
| Interest expense | 768,000 | 1,565,000 | 2,349,000 | 3,156,000 |
| Net interest income | 815,000 | 1,719,000 | 2,686,000 | 3,610,000 |
| Noninterest income | 108,000 | 200,000 | 343,000 | 440,000 |
| Noninterest expense | 657,000 | 1,288,000 | 1,973,000 | 2,744,000 |
| Provision for loan losses | 0 | 5,000 | 50,000 | 145,000 |
| Pretax income | 272,000 | 632,000 | 1,021,000 | 1,205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 272,000 | 632,000 | 1,021,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,037,000 | 8,296,000 | 8,447,000 | 8,537,000 |
| Total capital | 8,717,000 | 8,982,000 | 9,179,000 | 9,356,000 |
| Risk-weighted assets | 78,118,000 | 81,507,000 | 84,921,000 | 86,538,000 |