Call reports 2008
DECATUR STATE BANK — 2008
What DECATUR 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 | 196,598,000 | 189,331,000 | 190,949,000 | 187,091,000 |
| Total loans | 147,306,000 | 146,033,000 | 149,363,000 | 150,429,000 |
| Allowance for loan losses | 2,187,000 | 1,953,000 | 1,535,000 | 1,795,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,330,000 | 30,252,000 | 28,433,000 | 24,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,844,000 | 128,983,000 | 127,500,000 | 125,537,000 |
| Interest-bearing deposits | 135,341,000 | 117,880,000 | 115,388,000 | 116,641,000 |
| Noninterest-bearing deposits | 11,503,000 | 11,103,000 | 12,112,000 | 8,896,000 |
| Equity capital | 21,943,000 | 22,244,000 | 22,505,000 | 22,650,000 |
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 | 3,539,000 | 7,058,000 | 10,467,000 | 13,791,000 |
| Interest expense | 1,722,000 | 3,241,000 | 4,637,000 | 5,973,000 |
| Net interest income | 1,817,000 | 3,817,000 | 5,830,000 | 7,818,000 |
| Noninterest income | 629,000 | 1,090,000 | 1,534,000 | 2,043,000 |
| Noninterest expense | 1,221,000 | 2,437,000 | 3,778,000 | 5,178,000 |
| Provision for loan losses | 450,000 | 750,000 | 1,050,000 | 1,428,000 |
| Pretax income | 775,000 | 1,720,000 | 2,536,000 | 3,255,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 775,000 | 1,720,000 | 2,536,000 | 3,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,943,000 | 22,244,000 | 22,505,000 | 22,650,000 |
| Total capital | 23,827,000 | 24,097,000 | 24,040,000 | 24,445,000 |
| Risk-weighted assets | 149,669,000 | 147,399,000 | 150,504,000 | 150,812,000 |