Call reports 2008
FIRST STATE BANK OF NEWCASTLE — 2008
What FIRST STATE BANK OF NEWCASTLE 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 | 115,613,000 | 113,403,000 | 116,714,000 | 127,127,000 |
| Total loans | 44,727,000 | 42,846,000 | 43,703,000 | 42,931,000 |
| Allowance for loan losses | 284,000 | 347,000 | 327,000 | 313,000 |
| Securities available for sale | 60,720,000 | 57,912,000 | 60,857,000 | 68,794,000 |
| Securities held to maturity | 3,285,000 | 2,985,000 | 2,830,000 | 2,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,905,000 | 97,919,000 | 100,906,000 | 111,147,000 |
| Interest-bearing deposits | 79,024,000 | 76,383,000 | 77,704,000 | 87,466,000 |
| Noninterest-bearing deposits | 20,881,000 | 21,536,000 | 23,202,000 | 23,681,000 |
| Equity capital | 15,370,000 | 15,196,000 | 15,529,000 | 15,448,000 |
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 | 1,584,000 | 3,348,000 | 4,891,000 | 6,521,000 |
| Interest expense | 632,000 | 1,157,000 | 1,651,000 | 2,136,000 |
| Net interest income | 952,000 | 2,191,000 | 3,240,000 | 4,385,000 |
| Noninterest income | 145,000 | 299,000 | 459,000 | 606,000 |
| Noninterest expense | 486,000 | 1,010,000 | 1,542,000 | 2,389,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 611,000 | 1,480,000 | 2,157,000 | 2,572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 611,000 | 1,480,000 | 2,157,000 | 2,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,632,000 | 15,152,000 | 15,482,000 | 14,699,000 |
| Total capital | 14,916,000 | 15,499,000 | 15,809,000 | 15,012,000 |
| Risk-weighted assets | 57,852,000 | 55,204,000 | 56,516,000 | 57,723,000 |