Call reports 2008
MEDINA VALLEY STATE BANK — 2008
What MEDINA VALLEY 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 | 77,529,000 | 75,044,000 | 73,800,000 | 77,220,000 |
| Total loans | 20,931,000 | 20,678,000 | 20,736,000 | 20,384,000 |
| Allowance for loan losses | 326,000 | 318,000 | 318,000 | 310,000 |
| Securities available for sale | 39,344,000 | 40,904,000 | 41,368,000 | 41,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,200,000 | 65,311,000 | 63,724,000 | 66,895,000 |
| Interest-bearing deposits | 53,909,000 | 52,679,000 | 51,036,000 | 53,829,000 |
| Noninterest-bearing deposits | 13,291,000 | 12,632,000 | 12,688,000 | 13,066,000 |
| Equity capital | 9,428,000 | 8,951,000 | 9,258,000 | 9,611,000 |
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 | 1,001,000 | 1,948,000 | 2,902,000 | 3,811,000 |
| Interest expense | 382,000 | 713,000 | 1,016,000 | 1,293,000 |
| Net interest income | 619,000 | 1,235,000 | 1,886,000 | 2,518,000 |
| Noninterest income | 246,000 | 500,000 | 751,000 | 998,000 |
| Noninterest expense | 594,000 | 1,192,000 | 1,813,000 | 2,539,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 270,000 | 517,000 | 770,000 | 901,000 |
| Income tax | 44,000 | 76,000 | 109,000 | 101,000 |
| Net income | 226,000 | 441,000 | 661,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,029,000 | 9,244,000 | 9,264,000 | 9,253,000 |
| Total capital | 9,362,000 | 9,569,000 | 9,589,000 | 9,570,000 |
| Risk-weighted assets | 28,779,000 | 27,613,000 | 27,413,000 | 27,697,000 |