Call reports 2008
FRANDSEN BANK & TRUST — 2008
What FRANDSEN BANK & TRUST 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 | 265,500,000 | 268,609,000 | 327,954,000 | 332,670,000 |
| Total loans | 190,952,000 | 202,176,000 | 237,773,000 | 237,973,000 |
| Allowance for loan losses | 2,219,000 | 2,386,000 | 3,270,000 | 3,595,000 |
| Securities available for sale | 47,259,000 | 29,341,000 | 47,066,000 | 50,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,765,000 | 230,670,000 | 274,571,000 | 277,953,000 |
| Interest-bearing deposits | 198,160,000 | 199,231,000 | 238,853,000 | 237,927,000 |
| Noninterest-bearing deposits | 31,605,000 | 31,439,000 | 35,718,000 | 40,026,000 |
| Equity capital | 27,927,000 | 29,390,000 | 45,049,000 | 46,091,000 |
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 | 4,069,000 | 7,964,000 | 13,243,000 | 17,548,000 |
| Interest expense | 1,564,000 | 2,822,000 | 4,385,000 | 5,522,000 |
| Net interest income | 2,505,000 | 5,142,000 | 8,858,000 | 12,026,000 |
| Noninterest income | 777,000 | 1,594,000 | 2,492,000 | 3,409,000 |
| Noninterest expense | 2,145,000 | 4,338,000 | 7,696,000 | 10,561,000 |
| Provision for loan losses | 86,000 | 263,000 | 563,000 | 988,000 |
| Pretax income | 1,051,000 | 2,135,000 | 3,091,000 | 3,886,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,051,000 | 2,135,000 | 3,091,000 | 3,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,087,000 | 20,740,000 | 28,876,000 | 29,590,000 |
| Total capital | 21,306,000 | 23,126,000 | 32,137,000 | 32,927,000 |
| Risk-weighted assets | 222,089,000 | 229,054,000 | 260,888,000 | 266,667,000 |
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