Call reports 2008
BANCROFT STATE BANK — 2008
What BANCROFT 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 | 63,159,000 | 62,344,000 | 62,789,000 | 66,086,000 |
| Total loans | 46,773,000 | 48,217,000 | 49,984,000 | 48,977,000 |
| Allowance for loan losses | 428,000 | 483,000 | 521,000 | 551,000 |
| Securities available for sale | 7,286,000 | 8,823,000 | 9,279,000 | 10,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,972,000 | 56,193,000 | 55,850,000 | 59,539,000 |
| Interest-bearing deposits | 49,219,000 | 48,909,000 | 48,403,000 | 50,596,000 |
| Noninterest-bearing deposits | 7,753,000 | 7,284,000 | 7,447,000 | 8,943,000 |
| Equity capital | 5,386,000 | 5,343,000 | 5,455,000 | 5,767,000 |
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 | 973,000 | 2,023,000 | 2,950,000 | 3,918,000 |
| Interest expense | 461,000 | 884,000 | 1,282,000 | 1,648,000 |
| Net interest income | 512,000 | 1,139,000 | 1,668,000 | 2,270,000 |
| Noninterest income | 60,000 | 102,000 | 152,000 | 200,000 |
| Noninterest expense | 491,000 | 911,000 | 1,378,000 | 1,874,000 |
| Provision for loan losses | 75,000 | 129,000 | 176,000 | 206,000 |
| Pretax income | 6,000 | 201,000 | 266,000 | 390,000 |
| Income tax | 6,000 | 16,000 | 16,000 | 16,000 |
| Net income | 0 | 185,000 | 250,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,284,000 | 5,396,000 | 5,461,000 | 5,515,000 |
| Total capital | 5,712,000 | 5,879,000 | 5,982,000 | 6,066,000 |
| Risk-weighted assets | 44,827,000 | 45,783,000 | 47,220,000 | 47,506,000 |
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