Call reports 2008
BANK OF FINCASTLE, THE — 2008
What BANK OF FINCASTLE, THE 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 | 171,868,000 | 168,596,000 | 162,316,000 | 156,705,000 |
| Total loans | 131,785,000 | 130,879,000 | 128,146,000 | 130,570,000 |
| Allowance for loan losses | 1,552,000 | 1,480,000 | 1,492,000 | 1,401,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,573,000 | 14,972,000 | 11,222,000 | 5,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,546,000 | 144,476,000 | 137,613,000 | 132,204,000 |
| Interest-bearing deposits | 108,888,000 | 105,057,000 | 98,933,000 | 97,435,000 |
| Noninterest-bearing deposits | 38,658,000 | 39,419,000 | 38,680,000 | 34,769,000 |
| Equity capital | 23,336,000 | 23,525,000 | 24,005,000 | 23,728,000 |
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 | 2,551,000 | 4,876,000 | 7,151,000 | 9,218,000 |
| Interest expense | 795,000 | 1,491,000 | 2,082,000 | 2,579,000 |
| Net interest income | 1,756,000 | 3,385,000 | 5,069,000 | 6,639,000 |
| Noninterest income | 265,000 | 518,000 | 883,000 | 1,156,000 |
| Noninterest expense | 1,286,000 | 2,521,000 | 3,851,000 | 5,277,000 |
| Provision for loan losses | 0 | 10,000 | 78,000 | 98,000 |
| Pretax income | 735,000 | 1,372,000 | 2,023,000 | 2,420,000 |
| Income tax | 194,000 | 383,000 | 554,000 | 771,000 |
| Net income | 541,000 | 989,000 | 1,469,000 | 1,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,336,000 | 23,525,000 | 24,005,000 | 23,728,000 |
| Total capital | 24,888,000 | 25,005,000 | 25,497,000 | 25,129,000 |
| Risk-weighted assets | 156,547,000 | 155,065,000 | 149,907,000 | 151,260,000 |