Call reports 2008
BATH STATE BANK — 2008
What BATH 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 | 149,524,000 | 151,402,000 | 151,677,000 | 158,316,000 |
| Total loans | 113,745,000 | 120,154,000 | 123,495,000 | 126,025,000 |
| Allowance for loan losses | 1,059,000 | 1,281,000 | 1,566,000 | 1,675,000 |
| Securities available for sale | 11,472,000 | 15,164,000 | 15,842,000 | 16,753,000 |
| Securities held to maturity | 1,192,000 | 1,182,000 | 1,172,000 | 1,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,412,000 | 123,584,000 | 123,762,000 | 130,835,000 |
| Interest-bearing deposits | 114,398,000 | 118,250,000 | 117,730,000 | 124,278,000 |
| Noninterest-bearing deposits | 6,014,000 | 5,334,000 | 6,032,000 | 6,557,000 |
| Equity capital | 11,517,000 | 12,253,000 | 12,067,000 | 12,097,000 |
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 | 2,424,000 | 4,837,000 | 7,289,000 | 9,604,000 |
| Interest expense | 1,368,000 | 2,760,000 | 4,084,000 | 5,404,000 |
| Net interest income | 1,056,000 | 2,077,000 | 3,205,000 | 4,200,000 |
| Noninterest income | 141,000 | 323,000 | 512,000 | 663,000 |
| Noninterest expense | 787,000 | 1,581,000 | 2,394,000 | 3,324,000 |
| Provision for loan losses | 40,000 | 321,000 | 649,000 | 832,000 |
| Pretax income | 372,000 | 500,000 | 676,000 | 709,000 |
| Income tax | 54,000 | 55,000 | 55,000 | 55,000 |
| Net income | 318,000 | 445,000 | 621,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,332,000 | 12,484,000 | 12,531,000 | 12,434,000 |
| Total capital | 12,391,000 | 13,765,000 | 14,097,000 | 14,046,000 |
| Risk-weighted assets | 118,684,000 | 123,411,000 | 125,802,000 | 128,910,000 |