Call reports 2008
FORESIGHT BANK — 2008
What FORESIGHT 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 | 153,643,000 | 161,669,000 | 163,092,000 | 163,496,000 |
| Total loans | 107,298,000 | 118,218,000 | 118,506,000 | 120,272,000 |
| Allowance for loan losses | 1,192,000 | 1,219,000 | 1,385,000 | 1,602,000 |
| Securities available for sale | 37,013,000 | 36,059,000 | 36,873,000 | 36,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,438,000 | 136,837,000 | 139,844,000 | 140,497,000 |
| Interest-bearing deposits | 124,245,000 | 127,842,000 | 131,218,000 | 130,828,000 |
| Noninterest-bearing deposits | 9,193,000 | 8,995,000 | 8,626,000 | 9,669,000 |
| Equity capital | 12,894,000 | 12,561,000 | 12,783,000 | 13,197,000 |
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 | 2,356,000 | 4,716,000 | 7,098,000 | 9,447,000 |
| Interest expense | 1,170,000 | 2,285,000 | 3,394,000 | 4,453,000 |
| Net interest income | 1,186,000 | 2,431,000 | 3,704,000 | 4,994,000 |
| Noninterest income | 313,000 | 638,000 | 874,000 | 1,151,000 |
| Noninterest expense | 828,000 | 1,769,000 | 2,657,000 | 3,572,000 |
| Provision for loan losses | 210,000 | 300,000 | 635,000 | 882,000 |
| Pretax income | 510,000 | 1,060,000 | 1,346,000 | 1,773,000 |
| Income tax | 143,000 | 307,000 | 362,000 | 477,000 |
| Net income | 367,000 | 753,000 | 984,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,534,000 | 12,733,000 | 12,776,000 | 12,905,000 |
| Total capital | 13,726,000 | 13,952,000 | 14,161,000 | 14,467,000 |
| Risk-weighted assets | 116,624,000 | 125,474,000 | 124,327,000 | 124,941,000 |