Call reports 2008
BLUFF VIEW BANK — 2008
What BLUFF VIEW 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 | 79,546,000 | 80,757,000 | 79,050,000 | 83,725,000 |
| Total loans | 61,807,000 | 62,042,000 | 63,321,000 | 63,223,000 |
| Allowance for loan losses | 813,000 | 713,000 | 740,000 | 827,000 |
| Securities available for sale | 9,745,000 | 10,121,000 | 10,263,000 | 10,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,871,000 | 66,852,000 | 64,375,000 | 69,668,000 |
| Interest-bearing deposits | 59,151,000 | 57,931,000 | 56,319,000 | 58,356,000 |
| Noninterest-bearing deposits | 7,720,000 | 8,921,000 | 8,056,000 | 11,312,000 |
| Equity capital | 8,786,000 | 8,836,000 | 8,931,000 | 9,239,000 |
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 | 1,371,000 | 2,647,000 | 3,910,000 | 5,082,000 |
| Interest expense | 585,000 | 1,083,000 | 1,554,000 | 1,976,000 |
| Net interest income | 786,000 | 1,564,000 | 2,356,000 | 3,106,000 |
| Noninterest income | 394,000 | 689,000 | 887,000 | 1,115,000 |
| Noninterest expense | 656,000 | 1,290,000 | 1,917,000 | 2,594,000 |
| Provision for loan losses | 12,000 | 30,000 | 60,000 | 157,000 |
| Pretax income | 512,000 | 933,000 | 1,272,000 | 1,476,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 4,000 |
| Net income | 511,000 | 932,000 | 1,270,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,618,000 | 8,838,000 | 9,070,000 | 9,270,000 |
| Total capital | 9,431,000 | 9,551,000 | 9,810,000 | 10,097,000 |
| Risk-weighted assets | 75,098,000 | 77,428,000 | 78,895,000 | 82,674,000 |