Call reports 2008
FIRST STATE BANK — 2008
What FIRST STATE 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 | 197,482,000 | 206,400,000 | 204,767,000 | 199,174,000 |
| Total loans | 141,120,000 | 153,695,000 | 148,877,000 | 147,141,000 |
| Allowance for loan losses | 1,476,000 | 1,657,000 | 1,752,000 | 1,711,000 |
| Securities available for sale | 36,775,000 | 32,231,000 | 35,295,000 | 25,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 102,000 | 124,000 | 366,000 |
| Total deposits | 136,429,000 | 140,682,000 | 147,524,000 | 143,218,000 |
| Interest-bearing deposits | 116,455,000 | 118,314,000 | 127,063,000 | 123,354,000 |
| Noninterest-bearing deposits | 19,974,000 | 22,367,000 | 20,461,000 | 19,865,000 |
| Equity capital | 20,869,000 | 19,059,000 | 17,047,000 | 16,285,000 |
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 | 3,268,000 | 6,440,000 | 9,536,000 | 12,433,000 |
| Interest expense | 1,617,000 | 3,002,000 | 4,344,000 | 5,656,000 |
| Net interest income | 1,651,000 | 3,438,000 | 5,192,000 | 6,777,000 |
| Noninterest income | 258,000 | 510,000 | 783,000 | 1,038,000 |
| Noninterest expense | 1,414,000 | 2,725,000 | 4,078,000 | 5,444,000 |
| Provision for loan losses | 60,000 | 220,000 | 466,000 | 581,000 |
| Pretax income | 439,000 | 1,007,000 | 1,435,000 | -744,000 |
| Income tax | 157,000 | 381,000 | 543,000 | -346,000 |
| Net income | 282,000 | 626,000 | 892,000 | -398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,821,000 | 22,164,000 | 21,631,000 | 20,341,000 |
| Total capital | 23,297,000 | 23,821,000 | 23,383,000 | 22,052,000 |
| Risk-weighted assets | 146,565,000 | 161,968,000 | 160,947,000 | 156,440,000 |