Call reports 2008
FIRST STATE BANK OF ODEM — 2008
What FIRST STATE BANK OF ODEM 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 | 67,239,000 | 73,766,000 | 78,220,000 | 79,049,000 |
| Total loans | 22,136,000 | 23,139,000 | 22,046,000 | 23,435,000 |
| Allowance for loan losses | 194,000 | 199,000 | 193,000 | 191,000 |
| Securities available for sale | 15,691,000 | 14,882,000 | 23,524,000 | 28,174,000 |
| Securities held to maturity | 15,197,000 | 13,196,000 | 13,139,000 | 12,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,757,000 | 66,413,000 | 70,609,000 | 71,136,000 |
| Interest-bearing deposits | 40,934,000 | 46,882,000 | 47,874,000 | 48,702,000 |
| Noninterest-bearing deposits | 18,823,000 | 19,531,000 | 22,735,000 | 22,434,000 |
| Equity capital | 7,151,000 | 6,978,000 | 7,190,000 | 7,507,000 |
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 | 853,000 | 1,679,000 | 2,570,000 | 3,508,000 |
| Interest expense | 298,000 | 576,000 | 818,000 | 1,053,000 |
| Net interest income | 555,000 | 1,103,000 | 1,752,000 | 2,455,000 |
| Noninterest income | 116,000 | 219,000 | 331,000 | 430,000 |
| Noninterest expense | 630,000 | 1,254,000 | 1,888,000 | 2,624,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 72,000 | 199,000 | 358,000 |
| Income tax | -3,000 | -8,000 | 11,000 | 101,000 |
| Net income | 48,000 | 80,000 | 188,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,013,000 | 7,044,000 | 7,153,000 | 7,139,000 |
| Total capital | 7,207,000 | 7,243,000 | 7,346,000 | 7,330,000 |
| Risk-weighted assets | 35,057,000 | 37,754,000 | 38,046,000 | 38,360,000 |