Call reports 2008
FIRST BANK AND TRUST COMPANY — 2008
What FIRST BANK AND TRUST COMPANY 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 | 55,562,000 | 54,322,000 | 56,515,000 | 57,220,000 |
| Total loans | 28,444,000 | 28,920,000 | 32,642,000 | 30,754,000 |
| Allowance for loan losses | 394,000 | 394,000 | 394,000 | 393,000 |
| Securities available for sale | 24,767,000 | 23,235,000 | 21,171,000 | 21,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,397,000 | 41,069,000 | 40,258,000 | 41,002,000 |
| Interest-bearing deposits | 37,786,000 | 37,510,000 | 36,980,000 | 37,027,000 |
| Noninterest-bearing deposits | 3,611,000 | 3,559,000 | 3,278,000 | 3,975,000 |
| Equity capital | 5,944,000 | 5,767,000 | 5,952,000 | 5,885,000 |
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 | 795,000 | 1,557,000 | 2,322,000 | 3,066,000 |
| Interest expense | 369,000 | 688,000 | 991,000 | 1,250,000 |
| Net interest income | 426,000 | 869,000 | 1,331,000 | 1,816,000 |
| Noninterest income | 75,000 | 128,000 | 185,000 | 256,000 |
| Noninterest expense | 382,000 | 777,000 | 1,163,000 | 1,597,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 122,000 | 224,000 | 357,000 | 399,000 |
| Income tax | 6,000 | 10,000 | 13,000 | 19,000 |
| Net income | 116,000 | 214,000 | 344,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,612,000 | 5,710,000 | 5,840,000 | 5,572,000 |
| Total capital | 6,006,000 | 6,104,000 | 6,234,000 | 5,965,000 |
| Risk-weighted assets | 32,235,000 | 32,493,000 | 35,856,000 | 35,020,000 |