Call reports 2008
NORSTATES BANK — 2008
What NORSTATES 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 | 644,723,000 | 638,419,000 | 691,770,000 | 633,129,000 |
| Total loans | 465,396,000 | 476,305,000 | 489,815,000 | 480,205,000 |
| Allowance for loan losses | 4,830,000 | 7,562,000 | 9,932,000 | 10,402,000 |
| Securities available for sale | 139,536,000 | 123,244,000 | 121,822,000 | 103,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,129,000 | 470,942,000 | 495,531,000 | 503,550,000 |
| Interest-bearing deposits | 430,339,000 | 410,767,000 | 437,148,000 | 443,508,000 |
| Noninterest-bearing deposits | 63,790,000 | 60,175,000 | 58,383,000 | 60,042,000 |
| Equity capital | 80,442,000 | 76,519,000 | 75,958,000 | 62,436,000 |
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 | 9,319,000 | 18,201,000 | 27,160,000 | 34,874,000 |
| Interest expense | 3,777,000 | 6,966,000 | 10,040,000 | 13,225,000 |
| Net interest income | 5,542,000 | 11,235,000 | 17,120,000 | 21,649,000 |
| Noninterest income | 1,140,000 | 2,256,000 | 3,395,000 | 4,455,000 |
| Noninterest expense | 4,369,000 | 8,614,000 | 12,780,000 | 16,662,000 |
| Provision for loan losses | 263,000 | 2,983,000 | 8,129,000 | 11,928,000 |
| Pretax income | 2,050,000 | 1,894,000 | -2,533,000 | -12,987,000 |
| Income tax | 714,000 | 580,000 | -1,188,000 | -5,286,000 |
| Net income | 1,336,000 | 1,314,000 | -1,345,000 | -7,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,227,000 | 67,627,000 | 65,086,000 | 50,593,000 |
| Total capital | 74,057,000 | 74,347,000 | 72,131,000 | 57,516,000 |
| Risk-weighted assets | 534,475,000 | 536,740,000 | 560,325,000 | 550,335,000 |
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