Call reports 2008
NBRS FINANCIAL BANK — 2008
What NBRS FINANCIAL 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 | 216,249,000 | 225,464,000 | 236,268,000 | 246,845,000 |
| Total loans | 170,051,000 | 180,935,000 | 192,280,000 | 198,292,000 |
| Allowance for loan losses | 1,264,000 | 1,183,000 | 1,344,000 | 1,733,000 |
| Securities available for sale | 21,916,000 | 23,701,000 | 20,696,000 | 19,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,771,000 | 187,713,000 | 186,154,000 | 191,183,000 |
| Interest-bearing deposits | 158,972,000 | 158,326,000 | 155,202,000 | 163,161,000 |
| Noninterest-bearing deposits | 26,799,000 | 29,387,000 | 30,952,000 | 28,022,000 |
| Equity capital | 19,537,000 | 19,888,000 | 20,683,000 | 20,660,000 |
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 | 3,368,000 | 6,694,000 | 10,198,000 | 13,711,000 |
| Interest expense | 1,540,000 | 3,001,000 | 4,404,000 | 5,737,000 |
| Net interest income | 1,828,000 | 3,693,000 | 5,794,000 | 7,974,000 |
| Noninterest income | 332,000 | 688,000 | 1,086,000 | 1,499,000 |
| Noninterest expense | 1,730,000 | 3,569,000 | 5,413,000 | 7,534,000 |
| Provision for loan losses | 135,000 | 170,000 | 350,000 | 1,020,000 |
| Pretax income | 295,000 | 642,000 | 1,117,000 | 919,000 |
| Income tax | 38,000 | 104,000 | 254,000 | 280,000 |
| Net income | 257,000 | 538,000 | 863,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,405,000 | 18,067,000 | 18,923,000 | 18,762,000 |
| Total capital | 18,669,000 | 19,250,000 | 20,266,000 | 20,495,000 |
| Risk-weighted assets | 180,588,000 | 190,513,000 | 199,464,000 | 197,136,000 |
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