Call reports 2008
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2008
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., 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 | 161,358,000 | 158,886,000 | 158,008,000 | 164,187,000 |
| Total loans | 103,379,000 | 100,330,000 | 101,566,000 | 102,863,000 |
| Allowance for loan losses | 1,038,000 | 1,037,000 | 1,024,000 | 1,010,000 |
| Securities available for sale | 40,731,000 | 43,194,000 | 41,697,000 | 39,278,000 |
| Securities held to maturity | 518,000 | 364,000 | 364,000 | 364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,794,000 | 125,756,000 | 127,384,000 | 127,204,000 |
| Interest-bearing deposits | 100,114,000 | 95,207,000 | 95,380,000 | 95,457,000 |
| Noninterest-bearing deposits | 25,680,000 | 30,549,000 | 32,004,000 | 31,747,000 |
| Equity capital | 19,190,000 | 17,998,000 | 18,436,000 | 19,755,000 |
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 | 2,397,000 | 4,705,000 | 7,012,000 | 9,273,000 |
| Interest expense | 809,000 | 1,462,000 | 2,042,000 | 2,551,000 |
| Net interest income | 1,588,000 | 3,243,000 | 4,970,000 | 6,722,000 |
| Noninterest income | 277,000 | 558,000 | 835,000 | 1,113,000 |
| Noninterest expense | 1,253,000 | 2,383,000 | 3,745,000 | 5,080,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 90,000 |
| Pretax income | 582,000 | 1,430,000 | 2,072,000 | 2,760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 582,000 | 1,430,000 | 2,072,000 | 2,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,458,000 | 18,575,000 | 18,617,000 | 18,640,000 |
| Total capital | 19,496,000 | 19,612,000 | 19,641,000 | 19,650,000 |
| Risk-weighted assets | 94,552,000 | 91,940,000 | 92,528,000 | 95,880,000 |
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