Call reports 2008
ROLFE STATE BANK — 2008
What ROLFE 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 | 34,345,000 | 32,743,000 | 32,826,000 | 33,387,000 |
| Total loans | 22,442,000 | 22,861,000 | 23,098,000 | 24,588,000 |
| Allowance for loan losses | 372,000 | 378,000 | 382,000 | 384,000 |
| Securities available for sale | 2,361,000 | 2,545,000 | 2,996,000 | 2,755,000 |
| Securities held to maturity | 3,325,000 | 3,698,000 | 3,761,000 | 3,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,275,000 | 28,840,000 | 28,246,000 | 29,406,000 |
| Interest-bearing deposits | 25,393,000 | 24,171,000 | 23,741,000 | 23,446,000 |
| Noninterest-bearing deposits | 4,882,000 | 4,669,000 | 4,505,000 | 5,960,000 |
| Equity capital | 3,796,000 | 3,701,000 | 3,835,000 | 3,139,000 |
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 | 547,000 | 1,061,000 | 1,593,000 | 2,117,000 |
| Interest expense | 193,000 | 359,000 | 514,000 | 652,000 |
| Net interest income | 354,000 | 702,000 | 1,079,000 | 1,465,000 |
| Noninterest income | 55,000 | 104,000 | 159,000 | 221,000 |
| Noninterest expense | 250,000 | 502,000 | 748,000 | 1,050,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 153,000 | 292,000 | 472,000 | 612,000 |
| Income tax | 49,000 | 93,000 | 151,000 | 296,000 |
| Net income | 104,000 | 199,000 | 321,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,757,000 | 3,703,000 | 3,825,000 | 3,070,000 |
| Total capital | 4,063,000 | 4,010,000 | 4,137,000 | 3,394,000 |
| Risk-weighted assets | 24,386,000 | 24,463,000 | 24,849,000 | 25,878,000 |