Call reports 2008
DURAND STATE BANK — 2008
What DURAND 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 | 82,981,000 | 83,170,000 | 84,483,000 | 87,372,000 |
| Total loans | 56,197,000 | 54,821,000 | 56,601,000 | 55,073,000 |
| Allowance for loan losses | 530,000 | 578,000 | 601,000 | 594,000 |
| Securities available for sale | 19,916,000 | 20,371,000 | 21,647,000 | 21,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,793,000 | 73,377,000 | 73,529,000 | 76,140,000 |
| Interest-bearing deposits | 65,934,000 | 68,209,000 | 67,550,000 | 70,560,000 |
| Noninterest-bearing deposits | 5,859,000 | 5,168,000 | 5,979,000 | 5,580,000 |
| Equity capital | 7,292,000 | 7,118,000 | 7,254,000 | 7,429,000 |
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 | 1,275,000 | 2,501,000 | 3,716,000 | 4,931,000 |
| Interest expense | 607,000 | 1,145,000 | 1,665,000 | 2,175,000 |
| Net interest income | 668,000 | 1,356,000 | 2,051,000 | 2,756,000 |
| Noninterest income | 137,000 | 274,000 | 396,000 | 519,000 |
| Noninterest expense | 650,000 | 1,246,000 | 1,827,000 | 2,401,000 |
| Provision for loan losses | 45,000 | 80,000 | 125,000 | 205,000 |
| Pretax income | 150,000 | 344,000 | 535,000 | 709,000 |
| Income tax | 31,000 | 63,000 | 123,000 | 170,000 |
| Net income | 119,000 | 281,000 | 412,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,181,000 | 7,341,000 | 7,475,000 | 7,497,000 |
| Total capital | 7,711,000 | 7,919,000 | 8,076,000 | 8,091,000 |
| Risk-weighted assets | 61,111,000 | 60,871,000 | 62,950,000 | 63,249,000 |
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