Call reports 2008
BELT VALLEY BANK — 2008
What BELT VALLEY 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 | 57,764,000 | 56,267,000 | 57,962,000 | 57,411,000 |
| Total loans | 38,704,000 | 39,633,000 | 40,968,000 | 41,399,000 |
| Allowance for loan losses | 311,000 | 365,000 | 380,000 | 385,000 |
| Securities available for sale | 10,836,000 | 9,756,000 | 10,246,000 | 11,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,301,000 | 48,912,000 | 50,449,000 | 49,756,000 |
| Interest-bearing deposits | 44,627,000 | 43,894,000 | 44,906,000 | 44,258,000 |
| Noninterest-bearing deposits | 5,674,000 | 5,018,000 | 5,543,000 | 5,498,000 |
| Equity capital | 6,853,000 | 6,866,000 | 6,939,000 | 7,111,000 |
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 | 982,000 | 1,903,000 | 2,771,000 | 3,672,000 |
| Interest expense | 447,000 | 859,000 | 1,236,000 | 1,596,000 |
| Net interest income | 535,000 | 1,044,000 | 1,535,000 | 2,076,000 |
| Noninterest income | 40,000 | 81,000 | 131,000 | 175,000 |
| Noninterest expense | 360,000 | 746,000 | 1,122,000 | 1,557,000 |
| Provision for loan losses | 0 | 0 | 64,000 | 67,000 |
| Pretax income | 215,000 | 379,000 | 480,000 | 627,000 |
| Income tax | 76,000 | 145,000 | 208,000 | 273,000 |
| Net income | 139,000 | 234,000 | 272,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,828,000 | 6,923,000 | 6,960,000 | 7,043,000 |
| Total capital | 7,139,000 | 7,288,000 | 7,340,000 | 7,428,000 |
| Risk-weighted assets | 40,983,000 | 41,330,000 | 42,644,000 | 42,534,000 |
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