Call reports 2008
FORD COUNTY STATE BANK — 2008
What FORD COUNTY 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 | 25,143,000 | 25,937,000 | 25,667,000 | 26,400,000 |
| Total loans | 13,719,000 | 13,897,000 | 14,097,000 | 15,714,000 |
| Allowance for loan losses | 305,000 | 306,000 | 308,000 | 309,000 |
| Securities available for sale | 8,614,000 | 9,272,000 | 8,204,000 | 8,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,302,000 | 22,239,000 | 21,883,000 | 22,341,000 |
| Interest-bearing deposits | 18,813,000 | 19,114,000 | 19,297,000 | 19,661,000 |
| Noninterest-bearing deposits | 2,489,000 | 3,125,000 | 2,586,000 | 2,680,000 |
| Equity capital | 3,549,000 | 3,467,000 | 3,560,000 | 3,789,000 |
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 | 375,000 | 741,000 | 1,105,000 | 1,485,000 |
| Interest expense | 146,000 | 276,000 | 388,000 | 489,000 |
| Net interest income | 229,000 | 465,000 | 717,000 | 996,000 |
| Noninterest income | 22,000 | 39,000 | 53,000 | 68,000 |
| Noninterest expense | 197,000 | 360,000 | 537,000 | 725,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 144,000 | 233,000 | 339,000 |
| Income tax | 11,000 | 38,000 | 69,000 | 100,000 |
| Net income | 43,000 | 106,000 | 164,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,392,000 | 3,475,000 | 3,533,000 | 3,608,000 |
| Total capital | 3,603,000 | 3,695,000 | 3,754,000 | 3,844,000 |
| Risk-weighted assets | 16,779,000 | 17,550,000 | 17,632,000 | 18,810,000 |