Call reports 2008
FIRST STATE BANK — 2008
What FIRST 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 | 407,682,000 | 423,460,000 | 414,187,000 | 468,325,000 |
| Total loans | 309,095,000 | 323,928,000 | 314,358,000 | 356,412,000 |
| Allowance for loan losses | 1,776,000 | 1,855,000 | 1,941,000 | 2,087,000 |
| Securities available for sale | 62,244,000 | 65,462,000 | 66,424,000 | 72,077,000 |
| Securities held to maturity | 375,000 | 375,000 | 375,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,889,000 | 328,795,000 | 328,687,000 | 349,747,000 |
| Interest-bearing deposits | 301,478,000 | 298,793,000 | 299,761,000 | 311,946,000 |
| Noninterest-bearing deposits | 28,411,000 | 30,002,000 | 28,926,000 | 37,801,000 |
| Equity capital | 33,428,000 | 30,911,000 | 33,886,000 | 35,194,000 |
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 | 5,383,000 | 11,608,000 | 17,803,000 | 23,940,000 |
| Interest expense | 2,991,000 | 5,801,000 | 8,770,000 | 11,312,000 |
| Net interest income | 2,392,000 | 5,807,000 | 9,033,000 | 12,628,000 |
| Noninterest income | 3,432,000 | 6,416,000 | 11,494,000 | 16,657,000 |
| Noninterest expense | 4,897,000 | 10,590,000 | 17,072,000 | 23,677,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 1,065,000 |
| Pretax income | 864,000 | 1,478,000 | 3,195,000 | 4,604,000 |
| Income tax | 263,000 | 426,000 | 1,034,000 | 1,533,000 |
| Net income | 601,000 | 1,052,000 | 2,161,000 | 3,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,457,000 | 26,813,000 | 30,291,000 | 31,760,000 |
| Total capital | 30,233,000 | 28,668,000 | 32,232,000 | 33,847,000 |
| Risk-weighted assets | 286,216,000 | 295,479,000 | 290,642,000 | 320,526,000 |