Call reports 2008
COULEE BANK — 2008
What COULEE 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 | 140,383,000 | 144,897,000 | 155,496,000 | 162,082,000 |
| Total loans | 100,555,000 | 105,954,000 | 104,709,000 | 106,478,000 |
| Allowance for loan losses | 1,015,000 | 1,064,000 | 1,060,000 | 1,067,000 |
| Securities available for sale | 34,584,000 | 32,167,000 | 38,328,000 | 46,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,969,000 | 118,050,000 | 124,309,000 | 129,621,000 |
| Interest-bearing deposits | 101,945,000 | 107,790,000 | 114,552,000 | 118,724,000 |
| Noninterest-bearing deposits | 10,024,000 | 10,260,000 | 9,757,000 | 10,897,000 |
| Equity capital | 16,695,000 | 16,024,000 | 16,252,000 | 17,493,000 |
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 | 2,157,000 | 4,289,000 | 6,466,000 | 8,659,000 |
| Interest expense | 840,000 | 1,598,000 | 2,415,000 | 3,209,000 |
| Net interest income | 1,317,000 | 2,691,000 | 4,051,000 | 5,450,000 |
| Noninterest income | 201,000 | 388,000 | 573,000 | 766,000 |
| Noninterest expense | 945,000 | 1,894,000 | 2,841,000 | 3,772,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 270,000 |
| Pretax income | 513,000 | 1,065,000 | 1,588,000 | 2,174,000 |
| Income tax | 8,000 | 10,000 | 16,000 | 22,000 |
| Net income | 505,000 | 1,055,000 | 1,572,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,400,000 | 16,363,000 | 16,530,000 | 17,035,000 |
| Total capital | 17,415,000 | 17,427,000 | 17,590,000 | 18,102,000 |
| Risk-weighted assets | 105,426,000 | 108,599,000 | 111,344,000 | 113,270,000 |
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