Call reports 2008
FIRST STATE BANK — 2008
What FIRST 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 | 40,009,000 | 39,457,000 | 38,674,000 | 38,942,000 |
| Total loans | 28,959,000 | 29,945,000 | 30,658,000 | 30,421,000 |
| Allowance for loan losses | 322,000 | 323,000 | 327,000 | 330,000 |
| Securities available for sale | 5,476,000 | 5,768,000 | 4,935,000 | 4,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,982,000 | 33,461,000 | 32,614,000 | 32,785,000 |
| Interest-bearing deposits | 24,560,000 | 25,288,000 | 25,638,000 | 25,558,000 |
| Noninterest-bearing deposits | 9,422,000 | 8,173,000 | 6,976,000 | 7,227,000 |
| Equity capital | 5,882,000 | 5,932,000 | 5,989,000 | 6,106,000 |
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 | 620,000 | 1,235,000 | 1,855,000 | 2,455,000 |
| Interest expense | 182,000 | 356,000 | 521,000 | 676,000 |
| Net interest income | 438,000 | 879,000 | 1,334,000 | 1,779,000 |
| Noninterest income | 81,000 | 162,000 | 255,000 | 333,000 |
| Noninterest expense | 326,000 | 640,000 | 966,000 | 1,317,000 |
| Provision for loan losses | 0 | 9,000 | 15,000 | 39,000 |
| Pretax income | 193,000 | 392,000 | 608,000 | 756,000 |
| Income tax | 65,000 | 133,000 | 211,000 | 262,000 |
| Net income | 128,000 | 259,000 | 397,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,786,000 | 5,918,000 | 5,960,000 | 6,057,000 |
| Total capital | 6,094,000 | 6,235,000 | 6,278,000 | 6,375,000 |
| Risk-weighted assets | 24,596,000 | 25,324,000 | 25,401,000 | 25,407,000 |