Call reports 2008
STATE BANK OF NEW RICHLAND — 2008
What STATE BANK OF NEW RICHLAND 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 | 71,552,000 | 73,803,000 | 75,187,000 | 79,836,000 |
| Total loans | 53,309,000 | 56,004,000 | 56,321,000 | 59,935,000 |
| Allowance for loan losses | 617,000 | 645,000 | 660,000 | 695,000 |
| Securities available for sale | 9,790,000 | 8,927,000 | 9,714,000 | 10,051,000 |
| Securities held to maturity | 5,001,000 | 4,852,000 | 4,682,000 | 5,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,118,000 | 42,170,000 | 39,787,000 | 40,230,000 |
| Interest-bearing deposits | 35,322,000 | 37,077,000 | 34,324,000 | 33,931,000 |
| Noninterest-bearing deposits | 5,796,000 | 5,093,000 | 5,463,000 | 6,299,000 |
| Equity capital | 5,281,000 | 4,660,000 | 5,245,000 | 5,392,000 |
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 | 1,162,000 | 2,404,000 | 3,660,000 | 4,960,000 |
| Interest expense | 532,000 | 1,110,000 | 1,677,000 | 2,215,000 |
| Net interest income | 630,000 | 1,294,000 | 1,983,000 | 2,745,000 |
| Noninterest income | 54,000 | 104,000 | 156,000 | 256,000 |
| Noninterest expense | 297,000 | 586,000 | 891,000 | 1,333,000 |
| Provision for loan losses | 33,000 | 71,000 | 130,000 | 165,000 |
| Pretax income | 354,000 | 741,000 | 1,118,000 | 1,503,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 354,000 | 741,000 | 1,118,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,484,000 | 5,572,000 | 5,800,000 | 5,536,000 |
| Total capital | 6,101,000 | 6,217,000 | 6,460,000 | 6,231,000 |
| Risk-weighted assets | 52,266,000 | 54,564,000 | 54,534,000 | 58,261,000 |
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