Call reports 2008
ORMSBY STATE BANK — 2008
What ORMSBY 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 | 23,440,000 | 22,961,000 | 23,237,000 | 23,973,000 |
| Total loans | 11,244,000 | 10,949,000 | 10,845,000 | 11,487,000 |
| Allowance for loan losses | 186,000 | 192,000 | 198,000 | 204,000 |
| Securities available for sale | 5,353,000 | 6,379,000 | 6,600,000 | 6,723,000 |
| Securities held to maturity | 2,498,000 | 2,498,000 | 2,793,000 | 2,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,400,000 | 20,030,000 | 20,256,000 | 21,010,000 |
| Interest-bearing deposits | 18,491,000 | 18,556,000 | 17,893,000 | 18,149,000 |
| Noninterest-bearing deposits | 1,909,000 | 1,474,000 | 2,363,000 | 2,861,000 |
| Equity capital | 2,856,000 | 2,724,000 | 2,816,000 | 2,772,000 |
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 | 364,000 | 707,000 | 1,051,000 | 1,393,000 |
| Interest expense | 179,000 | 343,000 | 490,000 | 627,000 |
| Net interest income | 185,000 | 364,000 | 561,000 | 766,000 |
| Noninterest income | 17,000 | 33,000 | 51,000 | 67,000 |
| Noninterest expense | 117,000 | 226,000 | 340,000 | 456,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 79,000 | 159,000 | 254,000 | 353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 79,000 | 159,000 | 254,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,837,000 | 2,847,000 | 2,906,000 | 2,971,000 |
| Total capital | 3,023,000 | 3,039,000 | 3,104,000 | 3,175,000 |
| Risk-weighted assets | 16,083,000 | 15,820,000 | 16,121,000 | 16,725,000 |
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