Call reports 2008
MANCOS VALLEY BANK — 2008
What MANCOS VALLEY 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 | 75,284,000 | 78,230,000 | 76,432,000 | 80,384,000 |
| Total loans | 49,275,000 | 53,750,000 | 53,703,000 | 54,889,000 |
| Allowance for loan losses | 613,000 | 634,000 | 854,000 | 974,000 |
| Securities available for sale | 16,035,000 | 20,367,000 | 15,849,000 | 14,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,504,000 | 69,588,000 | 70,631,000 | 74,715,000 |
| Interest-bearing deposits | 64,417,000 | 62,986,000 | 64,000,000 | 68,656,000 |
| Noninterest-bearing deposits | 6,087,000 | 6,603,000 | 6,631,000 | 6,059,000 |
| Equity capital | 4,663,000 | 5,029,000 | 5,673,000 | 5,501,000 |
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 | 1,079,000 | 2,153,000 | 3,252,000 | 4,333,000 |
| Interest expense | 575,000 | 1,084,000 | 1,584,000 | 2,080,000 |
| Net interest income | 504,000 | 1,069,000 | 1,668,000 | 2,253,000 |
| Noninterest income | 31,000 | 55,000 | 84,000 | 109,000 |
| Noninterest expense | 302,000 | 604,000 | 904,000 | 1,228,000 |
| Provision for loan losses | 60,000 | 190,000 | 410,000 | 780,000 |
| Pretax income | 173,000 | 331,000 | 186,000 | 102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 173,000 | 331,000 | 186,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,528,000 | 5,186,000 | 5,944,000 | 5,860,000 |
| Total capital | 5,101,000 | 5,820,000 | 6,608,000 | 6,513,000 |
| Risk-weighted assets | 45,831,000 | 52,310,000 | 52,898,000 | 51,986,000 |