Call reports 2008
ELKVILLE STATE BANK — 2008
What ELKVILLE 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 | 19,079,000 | 20,649,000 | 19,341,000 | 18,939,000 |
| Total loans | 3,370,000 | 3,196,000 | 3,341,000 | 2,976,000 |
| Allowance for loan losses | 77,000 | 77,000 | 65,000 | 64,000 |
| Securities available for sale | 13,687,000 | 13,756,000 | 14,003,000 | 14,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,534,000 | 17,091,000 | 15,780,000 | 15,433,000 |
| Interest-bearing deposits | 11,495,000 | 12,388,000 | 12,042,000 | 12,231,000 |
| Noninterest-bearing deposits | 4,039,000 | 4,703,000 | 3,738,000 | 3,202,000 |
| Equity capital | 3,481,000 | 3,503,000 | 3,506,000 | 3,453,000 |
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 | 222,000 | 442,000 | 663,000 | 885,000 |
| Interest expense | 74,000 | 147,000 | 221,000 | 295,000 |
| Net interest income | 148,000 | 295,000 | 442,000 | 590,000 |
| Noninterest income | 19,000 | 33,000 | 50,000 | 66,000 |
| Noninterest expense | 75,000 | 140,000 | 207,000 | 491,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 188,000 | 284,000 | 164,000 |
| Income tax | 8,000 | 16,000 | 25,000 | 27,000 |
| Net income | 84,000 | 172,000 | 259,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,484,000 | 3,569,000 | 3,656,000 | 3,522,000 |
| Total capital | 3,561,000 | 3,646,000 | 3,721,000 | 3,586,000 |
| Risk-weighted assets | 6,607,000 | 6,850,000 | 6,712,000 | 6,636,000 |