Call reports 2008
COWBOY BANK — 2008
What COWBOY 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 | 204,337,000 | 204,894,000 | 194,664,000 | 215,500,000 |
| Total loans | 164,830,000 | 160,357,000 | 155,240,000 | 176,194,000 |
| Allowance for loan losses | 1,109,000 | 1,376,000 | 1,432,000 | 1,756,000 |
| Securities available for sale | 17,670,000 | 17,066,000 | 23,436,000 | 18,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,759,000 | 167,445,000 | 157,192,000 | 171,415,000 |
| Interest-bearing deposits | 143,935,000 | 140,769,000 | 129,672,000 | 143,679,000 |
| Noninterest-bearing deposits | 22,824,000 | 26,676,000 | 27,520,000 | 27,736,000 |
| Equity capital | 19,573,000 | 18,708,000 | 19,278,000 | 19,263,000 |
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 | 3,337,000 | 6,309,000 | 9,133,000 | 11,848,000 |
| Interest expense | 1,520,000 | 2,855,000 | 4,030,000 | 5,050,000 |
| Net interest income | 1,817,000 | 3,454,000 | 5,103,000 | 6,798,000 |
| Noninterest income | 286,000 | 610,000 | 926,000 | 1,247,000 |
| Noninterest expense | 1,121,000 | 2,237,000 | 3,382,000 | 4,800,000 |
| Provision for loan losses | 0 | 300,000 | 425,000 | 1,012,000 |
| Pretax income | 992,000 | 1,564,000 | 2,262,000 | 2,307,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 992,000 | 1,564,000 | 2,262,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,138,000 | 18,670,000 | 19,058,000 | 18,904,000 |
| Total capital | 19,649,000 | 19,433,000 | 19,907,000 | 20,064,000 |
| Risk-weighted assets | 173,407,000 | 169,918,000 | 162,794,000 | 185,212,000 |