Call reports 2008
FIRST STATE BANK — 2008
What FIRST 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 | 105,651,000 | 106,707,000 | 106,206,000 | 103,058,000 |
| Total loans | 69,365,000 | 70,404,000 | 72,244,000 | 69,688,000 |
| Allowance for loan losses | 855,000 | 862,000 | 898,000 | 953,000 |
| Securities available for sale | 28,546,000 | 28,519,000 | 27,437,000 | 26,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,641,000 | 93,664,000 | 89,110,000 | 89,529,000 |
| Interest-bearing deposits | 85,273,000 | 85,292,000 | 80,558,000 | 78,199,000 |
| Noninterest-bearing deposits | 8,368,000 | 8,372,000 | 8,552,000 | 11,330,000 |
| Equity capital | 7,874,000 | 7,465,000 | 7,586,000 | 7,314,000 |
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 | 1,562,000 | 3,158,000 | 4,761,000 | 6,323,000 |
| Interest expense | 882,000 | 1,671,000 | 2,377,000 | 2,978,000 |
| Net interest income | 680,000 | 1,487,000 | 2,384,000 | 3,345,000 |
| Noninterest income | 93,000 | 207,000 | 291,000 | 401,000 |
| Noninterest expense | 543,000 | 1,148,000 | 1,740,000 | 2,505,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 128,000 |
| Pretax income | 212,000 | 505,000 | 875,000 | 1,124,000 |
| Income tax | 0 | 9,000 | 13,000 | 58,000 |
| Net income | 212,000 | 496,000 | 862,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,778,000 | 7,957,000 | 8,223,000 | 8,019,000 |
| Total capital | 8,633,000 | 8,819,000 | 9,121,000 | 8,972,000 |
| Risk-weighted assets | 80,174,000 | 83,434,000 | 85,377,000 | 86,590,000 |