Call reports 2008
BANK OF ST. FRANCISVILLE — 2008
What BANK OF ST. FRANCISVILLE 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 | 84,520,000 | 83,277,000 | 86,581,000 | 92,768,000 |
| Total loans | 66,410,000 | 66,520,000 | 64,921,000 | 64,397,000 |
| Allowance for loan losses | 775,000 | 756,000 | 720,000 | 789,000 |
| Securities available for sale | 8,736,000 | 7,308,000 | 7,183,000 | 7,080,000 |
| Securities held to maturity | 610,000 | 609,000 | 609,000 | 609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,303,000 | 62,741,000 | 65,051,000 | 70,576,000 |
| Interest-bearing deposits | 47,533,000 | 47,407,000 | 48,259,000 | 52,139,000 |
| Noninterest-bearing deposits | 16,770,000 | 15,334,000 | 16,792,000 | 18,437,000 |
| Equity capital | 7,656,000 | 7,853,000 | 8,246,000 | 8,427,000 |
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 | 1,476,000 | 2,908,000 | 4,349,000 | 5,710,000 |
| Interest expense | 436,000 | 935,000 | 1,363,000 | 1,797,000 |
| Net interest income | 1,040,000 | 1,973,000 | 2,986,000 | 3,913,000 |
| Noninterest income | 305,000 | 605,000 | 891,000 | 1,143,000 |
| Noninterest expense | 893,000 | 1,735,000 | 2,580,000 | 3,502,000 |
| Provision for loan losses | 45,000 | 90,000 | 207,000 | 382,000 |
| Pretax income | 407,000 | 753,000 | 1,090,000 | 1,172,000 |
| Income tax | 0 | 6,000 | 6,000 | 9,000 |
| Net income | 407,000 | 747,000 | 1,084,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,557,000 | 7,898,000 | 8,235,000 | 8,314,000 |
| Total capital | 8,288,000 | 8,631,000 | 8,955,000 | 9,100,000 |
| Risk-weighted assets | 58,428,000 | 58,611,000 | 60,628,000 | 62,856,000 |