Call reports 2008
F & C BANK — 2008
What F & C 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 | 113,710,000 | 117,933,000 | 119,477,000 | 118,027,000 |
| Total loans | 93,851,000 | 97,716,000 | 100,368,000 | 98,848,000 |
| Allowance for loan losses | 1,095,000 | 1,179,000 | 1,234,000 | 1,337,000 |
| Securities available for sale | 6,992,000 | 6,625,000 | 6,458,000 | 6,524,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,907,000 | 86,593,000 | 86,437,000 | 88,341,000 |
| Interest-bearing deposits | 77,520,000 | 76,433,000 | 78,548,000 | 79,454,000 |
| Noninterest-bearing deposits | 9,386,000 | 10,160,000 | 7,889,000 | 8,887,000 |
| Equity capital | 12,165,000 | 12,077,000 | 12,405,000 | 12,415,000 |
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 | 2,099,000 | 4,191,000 | 6,303,000 | 8,307,000 |
| Interest expense | 731,000 | 1,334,000 | 1,945,000 | 2,545,000 |
| Net interest income | 1,368,000 | 2,857,000 | 4,358,000 | 5,762,000 |
| Noninterest income | 264,000 | 574,000 | 873,000 | 1,102,000 |
| Noninterest expense | 1,112,000 | 2,225,000 | 3,349,000 | 4,446,000 |
| Provision for loan losses | 138,000 | 276,000 | 449,000 | 932,000 |
| Pretax income | 382,000 | 930,000 | 1,433,000 | 1,486,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 382,000 | 930,000 | 1,433,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,047,000 | 12,055,000 | 12,406,000 | 12,306,000 |
| Total capital | 13,142,000 | 13,234,000 | 13,640,000 | 13,492,000 |
| Risk-weighted assets | 97,192,000 | 98,404,000 | 100,599,000 | 99,793,000 |
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