Call reports 2008
DEFIANCE STATE BANK — 2008
What DEFIANCE 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 | 21,905,000 | 23,516,000 | 23,835,000 | 25,260,000 |
| Total loans | 16,112,000 | 16,727,000 | 16,100,000 | 15,848,000 |
| Allowance for loan losses | 216,000 | 216,000 | 188,000 | 193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,357,000 | 19,000,000 | 19,220,000 | 19,760,000 |
| Interest-bearing deposits | 15,292,000 | 17,191,000 | 16,376,000 | 17,447,000 |
| Noninterest-bearing deposits | 2,065,000 | 1,809,000 | 2,844,000 | 2,313,000 |
| Equity capital | 2,145,000 | 2,119,000 | 2,205,000 | 2,183,000 |
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 | 355,000 | 709,000 | 1,071,000 | 1,442,000 |
| Interest expense | 135,000 | 258,000 | 377,000 | 490,000 |
| Net interest income | 220,000 | 451,000 | 694,000 | 952,000 |
| Noninterest income | 21,000 | 42,000 | 65,000 | 87,000 |
| Noninterest expense | 181,000 | 354,000 | 530,000 | 830,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 139,000 | 229,000 | 209,000 |
| Income tax | 0 | 5,000 | 8,000 | 11,000 |
| Net income | 60,000 | 134,000 | 221,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,145,000 | 2,119,000 | 2,205,000 | 2,183,000 |
| Total capital | 2,350,000 | 2,335,000 | 2,393,000 | 2,376,000 |
| Risk-weighted assets | 16,383,000 | 17,316,000 | 16,771,000 | 16,760,000 |