Call reports 2008
FIRST STATE BANK OF RANDOLPH COUNTY — 2008
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 52,125,000 | 51,036,000 | 51,664,000 | 53,880,000 |
| Total loans | 35,767,000 | 37,478,000 | 38,255,000 | 35,669,000 |
| Allowance for loan losses | 222,000 | 222,000 | 225,000 | 202,000 |
| Securities available for sale | 10,425,000 | 9,662,000 | 9,838,000 | 9,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,334,000 | 43,723,000 | 43,610,000 | 47,095,000 |
| Interest-bearing deposits | 33,982,000 | 33,076,000 | 33,479,000 | 34,185,000 |
| Noninterest-bearing deposits | 11,352,000 | 10,647,000 | 10,131,000 | 12,910,000 |
| Equity capital | 6,041,000 | 5,866,000 | 6,217,000 | 6,060,000 |
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 | 894,000 | 1,772,000 | 2,658,000 | 3,492,000 |
| Interest expense | 343,000 | 656,000 | 947,000 | 1,205,000 |
| Net interest income | 551,000 | 1,116,000 | 1,711,000 | 2,287,000 |
| Noninterest income | 86,000 | 165,000 | 248,000 | 336,000 |
| Noninterest expense | 477,000 | 943,000 | 1,382,000 | 1,853,000 |
| Provision for loan losses | 0 | 0 | 27,000 | 39,000 |
| Pretax income | 164,000 | 392,000 | 603,000 | 785,000 |
| Income tax | 0 | 0 | 8,000 | 14,000 |
| Net income | 164,000 | 392,000 | 595,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,961,000 | 6,090,000 | 6,192,000 | 5,898,000 |
| Total capital | 5,961,000 | 6,090,000 | 6,192,000 | 5,898,000 |
| Risk-weighted assets | 38,825,000 | 42,528,000 | 43,240,000 | 41,517,000 |
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