Call reports 2008
BRYANT STATE BANK — 2008
What BRYANT 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 | 20,098,000 | 19,237,000 | 19,620,000 | 20,372,000 |
| Total loans | 11,761,000 | 12,469,000 | 12,736,000 | 13,225,000 |
| Allowance for loan losses | 190,000 | 177,000 | 181,000 | 229,000 |
| Securities available for sale | 5,395,000 | 4,672,000 | 4,563,000 | 5,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,993,000 | 16,152,000 | 16,310,000 | 17,281,000 |
| Interest-bearing deposits | 14,094,000 | 13,214,000 | 13,264,000 | 13,589,000 |
| Noninterest-bearing deposits | 2,899,000 | 2,938,000 | 3,046,000 | 3,692,000 |
| Equity capital | 2,490,000 | 2,487,000 | 2,594,000 | 2,575,000 |
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 | 311,000 | 604,000 | 909,000 | 1,207,000 |
| Interest expense | 106,000 | 193,000 | 274,000 | 355,000 |
| Net interest income | 205,000 | 411,000 | 635,000 | 852,000 |
| Noninterest income | 83,000 | 150,000 | 281,000 | 334,000 |
| Noninterest expense | 226,000 | 381,000 | 610,000 | 755,000 |
| Provision for loan losses | 0 | 60,000 | 100,000 | 150,000 |
| Pretax income | 62,000 | 119,000 | 206,000 | 281,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 15,000 |
| Net income | 59,000 | 113,000 | 197,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,418,000 | 2,472,000 | 2,556,000 | 2,504,000 |
| Total capital | 2,599,000 | 2,649,000 | 2,737,000 | 2,701,000 |
| Risk-weighted assets | 14,475,000 | 15,207,000 | 15,140,000 | 15,766,000 |