Call reports 2008
FIRSTCITY BANK — 2008
What FIRSTCITY 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 | 255,043,000 | 255,419,000 | 331,554,000 | 285,015,000 |
| Total loans | 198,185,000 | 192,216,000 | 185,539,000 | 193,067,000 |
| Allowance for loan losses | 3,941,000 | 3,145,000 | 2,310,000 | 3,633,000 |
| Securities available for sale | 3,579,000 | 3,832,000 | 7,400,000 | 22,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,280,000 | 224,332,000 | 301,675,000 | 259,056,000 |
| Interest-bearing deposits | 217,334,000 | 214,282,000 | 293,204,000 | 247,949,000 |
| Noninterest-bearing deposits | 10,946,000 | 10,050,000 | 8,471,000 | 11,107,000 |
| Equity capital | 20,098,000 | 19,402,000 | 18,384,000 | 14,974,000 |
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 | 3,310,000 | 6,501,000 | 9,761,000 | 12,730,000 |
| Interest expense | 2,734,000 | 5,097,000 | 7,991,000 | 11,009,000 |
| Net interest income | 576,000 | 1,404,000 | 1,770,000 | 1,721,000 |
| Noninterest income | 124,000 | 170,000 | 139,000 | 385,000 |
| Noninterest expense | 1,359,000 | 2,943,000 | 4,589,000 | 6,157,000 |
| Provision for loan losses | 1,325,000 | 2,075,000 | 2,075,000 | 4,296,000 |
| Pretax income | -1,984,000 | -3,444,000 | -4,755,000 | -8,347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,984,000 | -3,444,000 | -4,755,000 | -8,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,049,000 | 19,452,000 | 18,376,000 | 14,815,000 |
| Total capital | 22,834,000 | 22,094,000 | 20,686,000 | 17,371,000 |
| Risk-weighted assets | 221,158,000 | 210,847,000 | 205,477,000 | 203,438,000 |