Call reports 2008
FIRST CITY BANK — 2008
What FIRST CITY 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 | 57,258,000 | 56,835,000 | 55,666,000 | 58,704,000 |
| Total loans | 48,371,000 | 48,132,000 | 47,495,000 | 48,058,000 |
| Allowance for loan losses | 617,000 | 625,000 | 464,000 | 479,000 |
| Securities available for sale | 2,214,000 | 1,940,000 | 2,591,000 | 4,541,000 |
| Securities held to maturity | 3,000 | 3,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,497,000 | 43,085,000 | 42,974,000 | 48,458,000 |
| Interest-bearing deposits | 40,522,000 | 41,062,000 | 40,826,000 | 44,932,000 |
| Noninterest-bearing deposits | 2,975,000 | 2,023,000 | 2,149,000 | 3,526,000 |
| Equity capital | 4,599,000 | 4,666,000 | 4,661,000 | 4,775,000 |
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 | 927,000 | 1,814,000 | 2,685,000 | 3,543,000 |
| Interest expense | 510,000 | 940,000 | 1,364,000 | 1,764,000 |
| Net interest income | 417,000 | 874,000 | 1,321,000 | 1,779,000 |
| Noninterest income | 6,000 | 12,000 | 18,000 | 24,000 |
| Noninterest expense | 357,000 | 729,000 | 1,093,000 | 1,458,000 |
| Provision for loan losses | 6,000 | 15,000 | 28,000 | 43,000 |
| Pretax income | 60,000 | 142,000 | 218,000 | 302,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 142,000 | 218,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,565,000 | 4,647,000 | 4,650,000 | 4,735,000 |
| Total capital | 5,981,000 | 6,061,000 | 5,914,000 | 6,014,000 |
| Risk-weighted assets | 41,196,000 | 41,017,000 | 40,366,000 | 40,131,000 |