Call reports 2008
FIRSTBANK OF VAIL — 2008
What FIRSTBANK OF VAIL 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 | 362,482,000 | 370,162,000 | 368,706,000 | 346,725,000 |
| Total loans | 219,776,000 | 231,928,000 | 245,078,000 | 252,232,000 |
| Allowance for loan losses | 2,572,000 | 2,936,000 | 3,200,000 | 3,618,000 |
| Securities available for sale | 58,261,000 | 55,810,000 | 55,429,000 | 47,301,000 |
| Securities held to maturity | 34,226,000 | 33,910,000 | 33,918,000 | 33,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,063,000 | 265,433,000 | 263,075,000 | 276,157,000 |
| Interest-bearing deposits | 218,183,000 | 206,908,000 | 201,930,000 | 212,804,000 |
| Noninterest-bearing deposits | 68,879,000 | 58,525,000 | 61,145,000 | 63,353,000 |
| Equity capital | 21,910,000 | 22,226,000 | 23,448,000 | 23,589,000 |
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 | 5,035,000 | 9,917,000 | 15,075,000 | 20,128,000 |
| Interest expense | 1,940,000 | 3,363,000 | 4,849,000 | 6,075,000 |
| Net interest income | 3,095,000 | 6,554,000 | 10,226,000 | 14,053,000 |
| Noninterest income | 701,000 | 1,676,000 | 2,163,000 | 2,787,000 |
| Noninterest expense | 2,282,000 | 4,444,000 | 6,175,000 | 7,968,000 |
| Provision for loan losses | 241,000 | 611,000 | 885,000 | 1,870,000 |
| Pretax income | 1,273,000 | 3,175,000 | 5,329,000 | 7,022,000 |
| Income tax | 392,000 | 1,019,000 | 1,748,000 | 2,288,000 |
| Net income | 881,000 | 2,156,000 | 3,581,000 | 4,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,202,000 | 21,977,000 | 22,802,000 | 23,956,000 |
| Total capital | 23,665,000 | 24,578,000 | 25,502,000 | 26,646,000 |
| Risk-weighted assets | 196,793,000 | 207,602,000 | 215,410,000 | 214,163,000 |