Call reports 2008
FIRST STATE BANK, JONES, OKLAHOMA — 2008
What FIRST STATE BANK, JONES, OKLAHOMA 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 | 39,233,000 | 40,026,000 | 39,473,000 | 39,753,000 |
| Total loans | 11,888,000 | 12,226,000 | 12,731,000 | 12,195,000 |
| Allowance for loan losses | 309,000 | 299,000 | 306,000 | 301,000 |
| Securities available for sale | 21,725,000 | 23,812,000 | 22,352,000 | 21,712,000 |
| Securities held to maturity | 55,000 | 55,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,375,000 | 35,545,000 | 33,612,000 | 34,853,000 |
| Interest-bearing deposits | 28,815,000 | 29,656,000 | 27,990,000 | 29,194,000 |
| Noninterest-bearing deposits | 5,560,000 | 5,889,000 | 5,622,000 | 5,659,000 |
| Equity capital | 4,596,000 | 4,380,000 | 4,512,000 | 4,706,000 |
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 | 462,000 | 947,000 | 1,437,000 | 1,900,000 |
| Interest expense | 171,000 | 338,000 | 488,000 | 617,000 |
| Net interest income | 291,000 | 609,000 | 949,000 | 1,283,000 |
| Noninterest income | 89,000 | 192,000 | 286,000 | 371,000 |
| Noninterest expense | 323,000 | 640,000 | 956,000 | 1,308,000 |
| Provision for loan losses | 11,000 | 26,000 | 41,000 | 46,000 |
| Pretax income | 50,000 | 139,000 | 243,000 | 305,000 |
| Income tax | 46,000 | 61,000 | 76,000 | 88,000 |
| Net income | 4,000 | 78,000 | 167,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,384,000 | 4,430,000 | 4,491,000 | 4,512,000 |
| Total capital | 4,596,000 | 4,655,000 | 4,722,000 | 4,735,000 |
| Risk-weighted assets | 16,899,000 | 17,961,000 | 18,413,000 | 17,796,000 |