Call reports 2008
FIRSTBANK OF SOUTH JEFFCO — 2008
What FIRSTBANK OF SOUTH JEFFCO 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 | 608,361,000 | 600,728,000 | 605,781,000 | 585,486,000 |
| Total loans | 180,733,000 | 183,461,000 | 197,191,000 | 199,231,000 |
| Allowance for loan losses | 1,919,000 | 1,966,000 | 2,134,000 | 3,104,000 |
| Securities available for sale | 175,240,000 | 183,765,000 | 158,366,000 | 163,708,000 |
| Securities held to maturity | 189,567,000 | 188,135,000 | 185,842,000 | 188,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,054,000 | 518,179,000 | 521,057,000 | 543,772,000 |
| Interest-bearing deposits | 434,739,000 | 423,527,000 | 434,737,000 | 457,901,000 |
| Noninterest-bearing deposits | 92,315,000 | 94,652,000 | 86,320,000 | 85,871,000 |
| Equity capital | 35,502,000 | 35,910,000 | 37,610,000 | 37,200,000 |
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 | 8,263,000 | 16,666,000 | 24,992,000 | 33,227,000 |
| Interest expense | 3,292,000 | 5,832,000 | 8,294,000 | 10,646,000 |
| Net interest income | 4,971,000 | 10,834,000 | 16,698,000 | 22,581,000 |
| Noninterest income | 1,756,000 | 3,747,000 | 5,716,000 | 7,565,000 |
| Noninterest expense | 3,011,000 | 6,168,000 | 9,212,000 | 12,144,000 |
| Provision for loan losses | 109,000 | 214,000 | 413,000 | 1,429,000 |
| Pretax income | 3,607,000 | 8,199,000 | 10,610,000 | 13,394,000 |
| Income tax | 1,117,000 | 2,614,000 | 3,275,000 | 4,056,000 |
| Net income | 2,490,000 | 5,585,000 | 7,335,000 | 9,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,380,000 | 34,861,000 | 35,933,000 | 36,337,000 |
| Total capital | 35,372,000 | 36,881,000 | 38,143,000 | 39,501,000 |
| Risk-weighted assets | 262,693,000 | 263,332,000 | 267,712,000 | 263,914,000 |