Call reports 2008
ANDES STATE BANK — 2008
What ANDES 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 | 18,752,000 | 19,212,000 | 19,018,000 | 19,196,000 |
| Total loans | 4,837,000 | 5,344,000 | 5,562,000 | 5,459,000 |
| Allowance for loan losses | 140,000 | 113,000 | 120,000 | 127,000 |
| Securities available for sale | 5,511,000 | 5,579,000 | 5,506,000 | 5,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,307,000 | 16,888,000 | 16,685,000 | 17,015,000 |
| Interest-bearing deposits | 13,822,000 | 14,323,000 | 14,303,000 | 14,392,000 |
| Noninterest-bearing deposits | 2,485,000 | 2,565,000 | 2,382,000 | 2,623,000 |
| Equity capital | 2,315,000 | 2,221,000 | 2,234,000 | 2,107,000 |
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 | 225,000 | 450,000 | 675,000 | 865,000 |
| Interest expense | 87,000 | 166,000 | 240,000 | 314,000 |
| Net interest income | 138,000 | 284,000 | 435,000 | 551,000 |
| Noninterest income | 21,000 | 49,000 | 70,000 | 88,000 |
| Noninterest expense | 133,000 | 269,000 | 407,000 | 542,000 |
| Provision for loan losses | 0 | 15,000 | 42,000 | 272,000 |
| Pretax income | 26,000 | 49,000 | 56,000 | -175,000 |
| Income tax | 3,000 | 5,000 | 11,000 | -36,000 |
| Net income | 23,000 | 44,000 | 45,000 | -139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,201,000 | 2,201,000 | 2,203,000 | 1,999,000 |
| Total capital | 2,306,000 | 2,314,000 | 2,318,000 | 2,114,000 |
| Risk-weighted assets | 8,339,000 | 9,071,000 | 9,208,000 | 9,198,000 |