Call reports 2008
FIRST CREDIT BANK — 2008
What FIRST CREDIT 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 | 352,588,000 | 358,768,000 | 361,687,000 | 490,928,000 |
| Total loans | 295,763,000 | 304,575,000 | 297,621,000 | 332,154,000 |
| Allowance for loan losses | 8,204,000 | 8,204,000 | 8,204,000 | 9,204,000 |
| Securities available for sale | 15,858,000 | 20,743,000 | 17,930,000 | 18,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,204,000 | 257,163,000 | 259,852,000 | 390,544,000 |
| Interest-bearing deposits | 238,063,000 | 242,957,000 | 249,014,000 | 379,390,000 |
| Noninterest-bearing deposits | 15,141,000 | 14,206,000 | 10,838,000 | 11,154,000 |
| Equity capital | 93,899,000 | 95,523,000 | 94,810,000 | 94,901,000 |
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 | 7,372,000 | 14,340,000 | 22,310,000 | 28,993,000 |
| Interest expense | 2,643,000 | 5,064,000 | 7,434,000 | 10,272,000 |
| Net interest income | 4,729,000 | 9,276,000 | 14,876,000 | 18,721,000 |
| Noninterest income | 65,000 | 249,000 | 282,000 | 360,000 |
| Noninterest expense | 519,000 | 766,000 | 1,378,000 | 2,083,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000,000 |
| Pretax income | 4,275,000 | 8,760,000 | 12,767,000 | 14,985,000 |
| Income tax | 105,000 | 324,000 | 442,000 | 587,000 |
| Net income | 4,170,000 | 8,436,000 | 12,325,000 | 14,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,813,000 | 95,657,000 | 95,856,000 | 95,282,000 |
| Total capital | 97,892,000 | 99,856,000 | 99,997,000 | 99,817,000 |
| Risk-weighted assets | 322,009,000 | 331,740,000 | 327,053,000 | 357,911,000 |
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