Call reports 2008
FIRST STATE BANK OF BEECHER CITY — 2008
What FIRST STATE BANK OF BEECHER CITY 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 | 44,664,000 | 44,107,000 | 44,970,000 | 48,374,000 |
| Total loans | 34,771,000 | 36,836,000 | 38,691,000 | 37,516,000 |
| Allowance for loan losses | 562,000 | 559,000 | 541,000 | 582,000 |
| Securities available for sale | 3,595,000 | 4,053,000 | 3,592,000 | 4,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,570,000 | 37,845,000 | 38,424,000 | 41,552,000 |
| Interest-bearing deposits | 33,237,000 | 32,779,000 | 32,884,000 | 35,183,000 |
| Noninterest-bearing deposits | 5,333,000 | 5,066,000 | 5,540,000 | 6,369,000 |
| Equity capital | 5,913,000 | 6,126,000 | 6,400,000 | 6,608,000 |
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 | 838,000 | 1,652,000 | 2,499,000 | 3,312,000 |
| Interest expense | 299,000 | 561,000 | 805,000 | 1,052,000 |
| Net interest income | 539,000 | 1,091,000 | 1,694,000 | 2,260,000 |
| Noninterest income | 84,000 | 169,000 | 247,000 | 325,000 |
| Noninterest expense | 289,000 | 593,000 | 897,000 | 1,296,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 165,000 |
| Pretax income | 259,000 | 592,000 | 969,000 | 1,124,000 |
| Income tax | 15,000 | 15,000 | 15,000 | 15,000 |
| Net income | 244,000 | 577,000 | 954,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,869,000 | 6,110,000 | 6,390,000 | 6,546,000 |
| Total capital | 6,283,000 | 6,540,000 | 6,838,000 | 6,993,000 |
| Risk-weighted assets | 32,751,000 | 34,276,000 | 35,771,000 | 35,652,000 |
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