Call reports 2008
FREEDOM BANK OF SOUTHERN MISSOURI — 2008
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 87,157,000 | 85,980,000 | 85,512,000 | 88,473,000 |
| Total loans | 69,025,000 | 68,115,000 | 69,229,000 | 75,659,000 |
| Allowance for loan losses | 763,000 | 782,000 | 796,000 | 788,000 |
| Securities available for sale | 3,975,000 | 6,287,000 | 6,557,000 | 6,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,107,000 | 75,611,000 | 74,846,000 | 76,322,000 |
| Interest-bearing deposits | 69,187,000 | 69,476,000 | 68,824,000 | 70,201,000 |
| Noninterest-bearing deposits | 6,920,000 | 6,135,000 | 6,022,000 | 6,121,000 |
| Equity capital | 6,633,000 | 6,933,000 | 7,276,000 | 7,148,000 |
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 | 1,471,000 | 2,928,000 | 4,408,000 | 5,898,000 |
| Interest expense | 722,000 | 1,396,000 | 2,022,000 | 2,621,000 |
| Net interest income | 749,000 | 1,532,000 | 2,386,000 | 3,277,000 |
| Noninterest income | 126,000 | 267,000 | 396,000 | 554,000 |
| Noninterest expense | 550,000 | 1,119,000 | 1,713,000 | 2,361,000 |
| Provision for loan losses | 39,000 | 73,000 | 123,000 | 182,000 |
| Pretax income | 286,000 | 607,000 | 946,000 | 1,288,000 |
| Income tax | 0 | 0 | -32,000 | -32,000 |
| Net income | 286,000 | 607,000 | 978,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,597,000 | 6,917,000 | 7,288,000 | 7,080,000 |
| Total capital | 7,360,000 | 7,699,000 | 8,084,000 | 7,868,000 |
| Risk-weighted assets | 65,053,000 | 64,880,000 | 64,687,000 | 73,573,000 |