Call reports 2008
BONANZA VALLEY STATE BANK — 2008
What BONANZA VALLEY 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 | 39,050,000 | 37,572,000 | 39,989,000 | 41,678,000 |
| Total loans | 29,351,000 | 30,006,000 | 32,032,000 | 32,218,000 |
| Allowance for loan losses | 226,000 | 262,000 | 270,000 | 296,000 |
| Securities available for sale | 3,785,000 | 3,367,000 | 3,371,000 | 5,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,428,000 | 30,097,000 | 32,377,000 | 32,328,000 |
| Interest-bearing deposits | 29,486,000 | 28,173,000 | 27,904,000 | 29,596,000 |
| Noninterest-bearing deposits | 1,942,000 | 1,924,000 | 4,473,000 | 2,732,000 |
| Equity capital | 3,338,000 | 3,217,000 | 3,361,000 | 3,650,000 |
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 | 637,000 | 1,261,000 | 1,909,000 | 2,565,000 |
| Interest expense | 298,000 | 573,000 | 843,000 | 1,095,000 |
| Net interest income | 339,000 | 688,000 | 1,066,000 | 1,470,000 |
| Noninterest income | 38,000 | 78,000 | 119,000 | 158,000 |
| Noninterest expense | 276,000 | 547,000 | 824,000 | 1,115,000 |
| Provision for loan losses | 18,000 | 48,000 | 78,000 | 108,000 |
| Pretax income | 83,000 | 172,000 | 283,000 | 405,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 83,000 | 172,000 | 283,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,283,000 | 3,222,000 | 3,333,000 | 3,455,000 |
| Total capital | 3,509,000 | 3,484,000 | 3,603,000 | 3,751,000 |
| Risk-weighted assets | 32,509,000 | 32,762,000 | 35,071,000 | 35,490,000 |
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