Call reports 2008
INVESTAR BANK, NATIONAL ASSOCIATION — 2008
What INVESTAR BANK, NATIONAL ASSOCIATION 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 | 82,424,000 | 103,015,000 | 125,047,000 | 142,706,000 |
| Total loans | 67,060,000 | 91,389,000 | 109,125,000 | 121,852,000 |
| Allowance for loan losses | 630,000 | 753,000 | 903,000 | 1,094,000 |
| Securities available for sale | 9,962,000 | 6,436,000 | 8,002,000 | 7,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,320,000 | 77,454,000 | 100,212,000 | 117,723,000 |
| Interest-bearing deposits | 54,849,000 | 70,961,000 | 94,109,000 | 109,681,000 |
| Noninterest-bearing deposits | 5,471,000 | 6,493,000 | 6,103,000 | 8,043,000 |
| Equity capital | 11,354,000 | 11,720,000 | 12,105,000 | 12,934,000 |
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 | 1,267,000 | 2,791,000 | 4,552,000 | 6,487,000 |
| Interest expense | 609,000 | 1,301,000 | 2,199,000 | 3,227,000 |
| Net interest income | 658,000 | 1,490,000 | 2,353,000 | 3,260,000 |
| Noninterest income | 7,000 | 20,000 | 43,000 | 131,000 |
| Noninterest expense | 602,000 | 1,306,000 | 2,064,000 | 2,870,000 |
| Provision for loan losses | 58,000 | 242,000 | 391,000 | 582,000 |
| Pretax income | 18,000 | 26,000 | 33,000 | 100,000 |
| Income tax | 10,000 | 9,000 | 23,000 | 31,000 |
| Net income | 8,000 | 17,000 | 10,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,065,000 | 11,692,000 | 12,112,000 | 12,696,000 |
| Total capital | 11,695,000 | 12,445,000 | 13,015,000 | 13,790,000 |
| Risk-weighted assets | 66,302,000 | 91,604,000 | 110,657,000 | 122,465,000 |