Call reports 2008
FIRST CHATHAM BANK — 2008
What FIRST CHATHAM 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 | 493,180,000 | 495,572,000 | 549,200,000 | 562,716,000 |
| Total loans | 391,644,000 | 407,116,000 | 425,948,000 | 426,656,000 |
| Allowance for loan losses | 4,346,000 | 4,241,000 | 4,821,000 | 4,920,000 |
| Securities available for sale | 47,660,000 | 46,844,000 | 70,623,000 | 72,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,494,000 | 394,353,000 | 427,623,000 | 440,847,000 |
| Interest-bearing deposits | 367,584,000 | 357,519,000 | 394,634,000 | 409,861,000 |
| Noninterest-bearing deposits | 31,910,000 | 36,834,000 | 32,988,000 | 30,986,000 |
| Equity capital | 40,344,000 | 42,204,000 | 43,751,000 | 44,508,000 |
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 | 8,508,000 | 16,441,000 | 24,714,000 | 32,728,000 |
| Interest expense | 4,371,000 | 8,407,000 | 12,582,000 | 16,744,000 |
| Net interest income | 4,137,000 | 8,034,000 | 12,132,000 | 15,984,000 |
| Noninterest income | 833,000 | 2,322,000 | 3,531,000 | 4,682,000 |
| Noninterest expense | 3,922,000 | 8,270,000 | 12,533,000 | 16,508,000 |
| Provision for loan losses | 217,000 | 640,000 | 1,251,000 | 1,892,000 |
| Pretax income | 818,000 | 1,477,000 | 1,908,000 | 2,331,000 |
| Income tax | 266,000 | 514,000 | 636,000 | 800,000 |
| Net income | 552,000 | 963,000 | 1,272,000 | 1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,012,000 | 43,014,000 | 44,304,000 | 44,602,000 |
| Total capital | 44,358,000 | 47,255,000 | 49,125,000 | 49,522,000 |
| Risk-weighted assets | 438,798,000 | 443,973,000 | 469,423,000 | 466,196,000 |