Call reports 2008
FIRST PERSONAL BANK — 2008
What FIRST PERSONAL 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 | 176,741,000 | 173,980,000 | 174,585,000 | 179,055,000 |
| Total loans | 143,193,000 | 140,465,000 | 142,638,000 | 142,582,000 |
| Allowance for loan losses | 2,895,000 | 1,719,000 | 1,716,000 | 1,810,000 |
| Securities available for sale | 16,204,000 | 14,708,000 | 13,278,000 | 13,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,307,000 | 148,009,000 | 145,520,000 | 151,078,000 |
| Interest-bearing deposits | 139,021,000 | 136,252,000 | 130,772,000 | 140,765,000 |
| Noninterest-bearing deposits | 11,286,000 | 11,757,000 | 14,748,000 | 10,313,000 |
| Equity capital | 12,291,000 | 12,162,000 | 14,303,000 | 14,304,000 |
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 | 2,691,000 | 5,173,000 | 7,731,000 | 10,223,000 |
| Interest expense | 1,382,000 | 2,655,000 | 3,858,000 | 4,998,000 |
| Net interest income | 1,309,000 | 2,518,000 | 3,873,000 | 5,225,000 |
| Noninterest income | 151,000 | 301,000 | 426,000 | 569,000 |
| Noninterest expense | 1,519,000 | 2,788,000 | 4,075,000 | 5,436,000 |
| Provision for loan losses | 100,000 | 250,000 | 250,000 | 475,000 |
| Pretax income | -159,000 | -219,000 | -26,000 | -117,000 |
| Income tax | -79,000 | -124,000 | -67,000 | -130,000 |
| Net income | -80,000 | -95,000 | 41,000 | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,125,000 | 12,109,000 | 14,247,000 | 14,218,000 |
| Total capital | 13,939,000 | 13,828,000 | 15,963,000 | 16,020,000 |
| Risk-weighted assets | 144,041,000 | 139,565,000 | 138,393,000 | 144,172,000 |