Call reports 2008
1ST COMMUNITY BANK — 2008
What 1ST COMMUNITY 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 | 50,832,000 | 50,404,000 | 50,507,000 | 49,906,000 |
| Total loans | 36,795,000 | 36,312,000 | 37,631,000 | 36,593,000 |
| Allowance for loan losses | 325,000 | 338,000 | 339,000 | 342,000 |
| Securities available for sale | 10,287,000 | 8,473,000 | 8,120,000 | 5,901,000 |
| Securities held to maturity | 189,000 | 189,000 | 189,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,709,000 | 40,423,000 | 40,610,000 | 39,939,000 |
| Interest-bearing deposits | 35,654,000 | 34,451,000 | 34,845,000 | 34,716,000 |
| Noninterest-bearing deposits | 5,055,000 | 5,972,000 | 5,765,000 | 5,223,000 |
| Equity capital | 4,704,000 | 4,596,000 | 4,531,000 | 4,653,000 |
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 | 769,000 | 1,511,000 | 2,260,000 | 2,978,000 |
| Interest expense | 390,000 | 739,000 | 1,070,000 | 1,381,000 |
| Net interest income | 379,000 | 772,000 | 1,190,000 | 1,597,000 |
| Noninterest income | 40,000 | 83,000 | 125,000 | 159,000 |
| Noninterest expense | 294,000 | 586,000 | 881,000 | 1,198,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 114,000 | 246,000 | 399,000 | 511,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 112,000 | 244,000 | 397,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,540,000 | 4,671,000 | 4,705,000 | 4,602,000 |
| Total capital | 4,865,000 | 5,009,000 | 5,044,000 | 4,944,000 |
| Risk-weighted assets | 38,712,000 | 38,152,000 | 39,291,000 | 37,716,000 |