Call reports 2008
COUNTY FIRST BANK — 2008
What COUNTY FIRST 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 | 160,009,000 | 160,760,000 | 163,716,000 | 165,632,000 |
| Total loans | 130,512,000 | 134,450,000 | 139,699,000 | 146,955,000 |
| Allowance for loan losses | 1,111,000 | 1,122,000 | 1,137,000 | 1,057,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,340,000 | 9,585,000 | 7,092,000 | 5,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,600,000 | 136,403,000 | 134,293,000 | 134,036,000 |
| Interest-bearing deposits | 106,428,000 | 107,266,000 | 105,673,000 | 104,901,000 |
| Noninterest-bearing deposits | 29,172,000 | 29,137,000 | 28,620,000 | 29,135,000 |
| Equity capital | 19,089,000 | 19,442,000 | 19,822,000 | 20,160,000 |
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 | 2,493,000 | 4,817,000 | 7,167,000 | 9,441,000 |
| Interest expense | 718,000 | 1,355,000 | 1,939,000 | 2,517,000 |
| Net interest income | 1,775,000 | 3,462,000 | 5,228,000 | 6,924,000 |
| Noninterest income | 154,000 | 320,000 | 482,000 | 655,000 |
| Noninterest expense | 1,280,000 | 2,581,000 | 3,944,000 | 5,304,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 634,000 | 1,171,000 | 1,721,000 | 2,215,000 |
| Income tax | 228,000 | 422,000 | 602,000 | 771,000 |
| Net income | 406,000 | 749,000 | 1,119,000 | 1,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,089,000 | 19,442,000 | 19,822,000 | 20,160,000 |
| Total capital | 20,290,000 | 20,654,000 | 21,049,000 | 21,307,000 |
| Risk-weighted assets | 155,443,000 | 157,747,000 | 161,615,000 | 171,130,000 |