Call reports 2008
MENARD BANK — 2008
What MENARD 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 | 31,409,000 | 36,879,000 | 30,841,000 | 30,724,000 |
| Total loans | 15,179,000 | 17,587,000 | 20,198,000 | 20,012,000 |
| Allowance for loan losses | 148,000 | 157,000 | 175,000 | 192,000 |
| Securities available for sale | 6,258,000 | 2,839,000 | 961,000 | 795,000 |
| Securities held to maturity | 4,923,000 | 6,499,000 | 5,764,000 | 5,757,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,688,000 | 33,064,000 | 26,897,000 | 26,905,000 |
| Interest-bearing deposits | 23,121,000 | 24,670,000 | 21,297,000 | 21,348,000 |
| Noninterest-bearing deposits | 4,567,000 | 8,394,000 | 5,600,000 | 5,557,000 |
| Equity capital | 3,686,000 | 3,767,000 | 3,885,000 | 3,792,000 |
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 | 442,000 | 879,000 | 1,320,000 | 1,750,000 |
| Interest expense | 148,000 | 274,000 | 380,000 | 472,000 |
| Net interest income | 294,000 | 605,000 | 940,000 | 1,278,000 |
| Noninterest income | 27,000 | 53,000 | 78,000 | 107,000 |
| Noninterest expense | 215,000 | 424,000 | 646,000 | 896,000 |
| Provision for loan losses | 3,000 | 12,000 | 29,000 | 46,000 |
| Pretax income | 103,000 | 222,000 | 343,000 | 443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 222,000 | 343,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,641,000 | 3,760,000 | 3,881,000 | 3,780,000 |
| Total capital | 3,789,000 | 3,917,000 | 4,056,000 | 3,972,000 |
| Risk-weighted assets | 19,207,000 | 21,858,000 | 22,257,000 | 21,564,000 |