Call reports 2008
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2008
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 90,471,000 | 88,800,000 | 83,751,000 | 86,772,000 |
| Total loans | 52,553,000 | 50,434,000 | 51,242,000 | 52,357,000 |
| Allowance for loan losses | 533,000 | 502,000 | 503,000 | 510,000 |
| Securities available for sale | 18,555,000 | 18,340,000 | 18,336,000 | 19,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,546,000 | 76,036,000 | 70,675,000 | 73,330,000 |
| Interest-bearing deposits | 62,863,000 | 60,020,000 | 57,212,000 | 60,722,000 |
| Noninterest-bearing deposits | 14,683,000 | 16,016,000 | 13,463,000 | 12,608,000 |
| Equity capital | 12,294,000 | 12,251,000 | 12,470,000 | 12,954,000 |
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 | 1,573,000 | 3,019,000 | 4,359,000 | 5,606,000 |
| Interest expense | 561,000 | 1,008,000 | 1,405,000 | 1,734,000 |
| Net interest income | 1,012,000 | 2,011,000 | 2,954,000 | 3,872,000 |
| Noninterest income | 145,000 | 282,000 | 449,000 | 599,000 |
| Noninterest expense | 686,000 | 1,379,000 | 2,077,000 | 2,952,000 |
| Provision for loan losses | 45,000 | 115,000 | 115,000 | 155,000 |
| Pretax income | 445,000 | 820,000 | 1,232,000 | 1,427,000 |
| Income tax | 180,000 | 360,000 | 540,000 | 518,000 |
| Net income | 265,000 | 460,000 | 692,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,158,000 | 12,352,000 | 12,586,000 | 12,802,000 |
| Total capital | 12,691,000 | 12,854,000 | 13,089,000 | 13,312,000 |
| Risk-weighted assets | 64,022,000 | 54,385,000 | 61,817,000 | 55,113,000 |