Call reports 2008
FIRST STATE BANK OF OKABENA (INCORPORATED) — 2008
What FIRST STATE BANK OF OKABENA (INCORPORATED) 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 | 20,921,000 | 20,415,000 | 19,681,000 | 20,840,000 |
| Total loans | 7,299,000 | 7,796,000 | 9,366,000 | 8,984,000 |
| Allowance for loan losses | 323,000 | 433,000 | 405,000 | 372,000 |
| Securities available for sale | 10,369,000 | 9,842,000 | 9,152,000 | 9,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,021,000 | 16,782,000 | 15,606,000 | 17,079,000 |
| Interest-bearing deposits | 14,625,000 | 14,339,000 | 13,040,000 | 13,191,000 |
| Noninterest-bearing deposits | 2,397,000 | 2,443,000 | 2,566,000 | 3,888,000 |
| Equity capital | 3,773,000 | 3,578,000 | 3,611,000 | 3,722,000 |
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 | 296,000 | 566,000 | 827,000 | 1,099,000 |
| Interest expense | 116,000 | 229,000 | 332,000 | 427,000 |
| Net interest income | 180,000 | 337,000 | 495,000 | 672,000 |
| Noninterest income | 10,000 | 17,000 | 26,000 | 67,000 |
| Noninterest expense | 117,000 | 269,000 | 417,000 | 578,000 |
| Provision for loan losses | 50,000 | 162,000 | 162,000 | 182,000 |
| Pretax income | 23,000 | -77,000 | -58,000 | -21,000 |
| Income tax | 11,000 | 11,000 | 17,000 | -39,000 |
| Net income | 12,000 | -88,000 | -75,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,685,000 | 3,586,000 | 3,599,000 | 3,692,000 |
| Total capital | 3,828,000 | 3,724,000 | 3,750,000 | 3,842,000 |
| Risk-weighted assets | 11,219,000 | 10,759,000 | 11,800,000 | 11,740,000 |
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