Call reports 2008
STATE BANK OF BLUE RAPIDS — 2008
What STATE BANK OF BLUE RAPIDS 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 | 38,821,000 | 37,642,000 | 36,270,000 | 38,448,000 |
| Total loans | 19,780,000 | 21,445,000 | 22,166,000 | 23,610,000 |
| Allowance for loan losses | 231,000 | 231,000 | 333,000 | 204,000 |
| Securities available for sale | 15,827,000 | 14,827,000 | 12,816,000 | 11,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,049,000 | 32,950,000 | 31,392,000 | 33,753,000 |
| Interest-bearing deposits | 29,036,000 | 28,537,000 | 27,273,000 | 29,060,000 |
| Noninterest-bearing deposits | 5,013,000 | 4,413,000 | 4,119,000 | 4,693,000 |
| Equity capital | 4,377,000 | 4,288,000 | 4,370,000 | 4,326,000 |
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 | 539,000 | 1,074,000 | 1,612,000 | 2,147,000 |
| Interest expense | 260,000 | 496,000 | 721,000 | 935,000 |
| Net interest income | 279,000 | 578,000 | 891,000 | 1,212,000 |
| Noninterest income | 28,000 | 66,000 | 89,000 | 122,000 |
| Noninterest expense | 234,000 | 462,000 | 687,000 | 922,000 |
| Provision for loan losses | 0 | 0 | 0 | 58,000 |
| Pretax income | 90,000 | 191,000 | 301,000 | 362,000 |
| Income tax | 0 | 10,000 | 34,000 | 75,000 |
| Net income | 90,000 | 181,000 | 267,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,136,000 | 4,203,000 | 4,289,000 | 4,136,000 |
| Total capital | 4,367,000 | 4,434,000 | 4,557,000 | 4,340,000 |
| Risk-weighted assets | 20,562,000 | 21,491,000 | 21,444,000 | 22,891,000 |