Call reports 2008
FALLS CITY NATIONAL BANK, THE — 2008
What FALLS CITY NATIONAL BANK, 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 | 128,429,000 | 130,915,000 | 131,406,000 | 136,230,000 |
| Total loans | 77,222,000 | 78,023,000 | 76,407,000 | 73,222,000 |
| Allowance for loan losses | 860,000 | 962,000 | 999,000 | 987,000 |
| Securities available for sale | 1,960,000 | 1,853,000 | 1,560,000 | 1,468,000 |
| Securities held to maturity | 28,775,000 | 26,056,000 | 26,540,000 | 27,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,129,000 | 113,379,000 | 113,784,000 | 118,791,000 |
| Interest-bearing deposits | 88,677,000 | 93,218,000 | 87,539,000 | 97,334,000 |
| Noninterest-bearing deposits | 22,452,000 | 20,160,000 | 26,246,000 | 21,457,000 |
| Equity capital | 16,355,000 | 16,917,000 | 17,015,000 | 16,819,000 |
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 | 2,299,000 | 4,487,000 | 6,605,000 | 8,568,000 |
| Interest expense | 795,000 | 1,573,000 | 2,331,000 | 3,050,000 |
| Net interest income | 1,504,000 | 2,914,000 | 4,274,000 | 5,518,000 |
| Noninterest income | 84,000 | 165,000 | 257,000 | 340,000 |
| Noninterest expense | 531,000 | 1,060,000 | 1,670,000 | 2,414,000 |
| Provision for loan losses | 100,000 | 225,000 | 350,000 | 500,000 |
| Pretax income | 957,000 | 1,794,000 | 2,511,000 | 2,944,000 |
| Income tax | 304,000 | 567,000 | 788,000 | 916,000 |
| Net income | 653,000 | 1,227,000 | 1,723,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,344,000 | 16,919,000 | 17,014,000 | 16,820,000 |
| Total capital | 17,204,000 | 17,881,000 | 18,011,000 | 17,775,000 |
| Risk-weighted assets | 80,646,000 | 81,756,000 | 79,745,000 | 76,390,000 |