Call reports 2008
COLCHESTER STATE BANK — 2008
What COLCHESTER 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 | 46,793,000 | 44,942,000 | 42,481,000 | 47,565,000 |
| Total loans | 22,412,000 | 22,873,000 | 23,015,000 | 22,530,000 |
| Allowance for loan losses | 582,000 | 624,000 | 585,000 | 450,000 |
| Securities available for sale | 12,332,000 | 11,521,000 | 11,922,000 | 13,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,169,000 | 40,522,000 | 37,854,000 | 42,771,000 |
| Interest-bearing deposits | 33,001,000 | 32,651,000 | 33,083,000 | 34,304,000 |
| Noninterest-bearing deposits | 9,168,000 | 7,871,000 | 4,771,000 | 8,467,000 |
| Equity capital | 4,259,000 | 4,149,000 | 4,386,000 | 4,505,000 |
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 | 644,000 | 1,261,000 | 1,887,000 | 2,482,000 |
| Interest expense | 286,000 | 558,000 | 809,000 | 1,044,000 |
| Net interest income | 358,000 | 703,000 | 1,078,000 | 1,438,000 |
| Noninterest income | 56,000 | 122,000 | 189,000 | 248,000 |
| Noninterest expense | 186,000 | 411,000 | 638,000 | 966,000 |
| Provision for loan losses | 0 | 0 | 64,000 | 337,000 |
| Pretax income | 238,000 | 424,000 | 584,000 | 414,000 |
| Income tax | 57,000 | 114,000 | 171,000 | 19,000 |
| Net income | 181,000 | 310,000 | 413,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,140,000 | 4,269,000 | 4,371,000 | 4,355,000 |
| Total capital | 4,420,000 | 4,554,000 | 4,659,000 | 4,637,000 |
| Risk-weighted assets | 22,746,000 | 22,841,000 | 22,402,000 | 23,371,000 |