Call reports 2008
PENDER STATE BANK — 2008
What PENDER 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 | 99,818,000 | 108,415,000 | 111,478,000 | 111,621,000 |
| Total loans | 89,403,000 | 97,754,000 | 98,488,000 | 99,659,000 |
| Allowance for loan losses | 1,202,000 | 1,222,000 | 1,223,000 | 1,224,000 |
| Securities available for sale | 897,000 | 890,000 | 883,000 | 1,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,190,000 | 77,794,000 | 82,563,000 | 92,042,000 |
| Interest-bearing deposits | 71,109,000 | 68,709,000 | 64,647,000 | 76,898,000 |
| Noninterest-bearing deposits | 8,081,000 | 9,085,000 | 17,916,000 | 15,144,000 |
| Equity capital | 14,502,000 | 15,357,000 | 15,659,000 | 16,021,000 |
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 | 1,619,000 | 3,169,000 | 4,741,000 | 6,256,000 |
| Interest expense | 744,000 | 1,401,000 | 2,007,000 | 2,586,000 |
| Net interest income | 875,000 | 1,768,000 | 2,734,000 | 3,670,000 |
| Noninterest income | 48,000 | 103,000 | 162,000 | 216,000 |
| Noninterest expense | 505,000 | 985,000 | 1,485,000 | 2,006,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 388,000 | 856,000 | 1,381,000 | 1,850,000 |
| Income tax | 400,000 | 414,000 | 428,000 | 427,000 |
| Net income | -12,000 | 442,000 | 953,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,086,000 | 8,947,000 | 9,255,000 | 9,623,000 |
| Total capital | 9,237,000 | 10,169,000 | 10,478,000 | 10,847,000 |
| Risk-weighted assets | 92,196,000 | 100,042,000 | 101,353,000 | 102,261,000 |
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