Call reports 2008
FIRST BANK OF WHITE — 2008
What FIRST BANK OF WHITE 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 | 54,068,000 | 55,827,000 | 55,388,000 | 58,087,000 |
| Total loans | 45,254,000 | 47,312,000 | 46,630,000 | 46,817,000 |
| Allowance for loan losses | 331,000 | 317,000 | 325,000 | 332,000 |
| Securities available for sale | 5,709,000 | 5,763,000 | 5,637,000 | 6,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,092,000 | 45,982,000 | 46,398,000 | 47,422,000 |
| Interest-bearing deposits | 43,057,000 | 43,941,000 | 43,976,000 | 44,287,000 |
| Noninterest-bearing deposits | 2,036,000 | 2,042,000 | 2,422,000 | 3,134,000 |
| Equity capital | 5,237,000 | 5,194,000 | 5,276,000 | 5,256,000 |
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 | 887,000 | 1,776,000 | 2,646,000 | 3,497,000 |
| Interest expense | 507,000 | 979,000 | 1,441,000 | 1,890,000 |
| Net interest income | 380,000 | 797,000 | 1,205,000 | 1,607,000 |
| Noninterest income | 56,000 | 106,000 | 166,000 | 233,000 |
| Noninterest expense | 247,000 | 486,000 | 735,000 | 985,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 73,000 |
| Pretax income | 189,000 | 417,000 | 618,000 | 782,000 |
| Income tax | 55,000 | 123,000 | 183,000 | 179,000 |
| Net income | 134,000 | 294,000 | 435,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,185,000 | 5,245,000 | 5,301,000 | 5,169,000 |
| Total capital | 5,516,000 | 5,562,000 | 5,626,000 | 5,501,000 |
| Risk-weighted assets | 44,910,000 | 46,579,000 | 46,000,000 | 46,569,000 |