Call reports 2008
INTERCITY STATE BANK — 2008
What INTERCITY 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 | 139,975,000 | 139,112,000 | 140,381,000 | 146,619,000 |
| Total loans | 124,740,000 | 124,807,000 | 128,861,000 | 131,296,000 |
| Allowance for loan losses | 1,224,000 | 1,235,000 | 1,250,000 | 1,265,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,076,000 | 2,785,000 | 3,543,000 | 3,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,549,000 | 114,541,000 | 115,335,000 | 118,717,000 |
| Interest-bearing deposits | 101,765,000 | 101,489,000 | 101,966,000 | 105,047,000 |
| Noninterest-bearing deposits | 13,784,000 | 13,052,000 | 13,369,000 | 13,670,000 |
| Equity capital | 23,036,000 | 23,479,000 | 23,949,000 | 21,447,000 |
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 | 2,239,000 | 4,353,000 | 6,493,000 | 8,630,000 |
| Interest expense | 968,000 | 1,837,000 | 2,656,000 | 3,440,000 |
| Net interest income | 1,271,000 | 2,516,000 | 3,837,000 | 5,190,000 |
| Noninterest income | 159,000 | 281,000 | 406,000 | 550,000 |
| Noninterest expense | 591,000 | 1,206,000 | 1,810,000 | 2,434,000 |
| Provision for loan losses | 15,000 | 41,000 | 110,000 | 165,000 |
| Pretax income | 824,000 | 1,550,000 | 2,323,000 | 3,141,000 |
| Income tax | 325,000 | 608,000 | 911,000 | 1,231,000 |
| Net income | 499,000 | 942,000 | 1,412,000 | 1,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,035,000 | 23,479,000 | 23,949,000 | 21,447,000 |
| Total capital | 24,259,000 | 24,714,000 | 25,199,000 | 22,712,000 |
| Risk-weighted assets | 145,664,000 | 147,021,000 | 152,066,000 | 156,631,000 |
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