Call reports 2008
STATE BANK OF BOTTINEAU — 2008
What STATE BANK OF BOTTINEAU 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 | 51,621,000 | 49,282,000 | 50,374,000 | 52,212,000 |
| Total loans | 34,705,000 | 39,640,000 | 40,033,000 | 37,497,000 |
| Allowance for loan losses | 422,000 | 447,000 | 602,000 | 524,000 |
| Securities available for sale | 1,576,000 | 1,486,000 | 1,466,000 | 1,442,000 |
| Securities held to maturity | 2,237,000 | 2,065,000 | 1,873,000 | 1,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,396,000 | 42,592,000 | 42,513,000 | 44,508,000 |
| Interest-bearing deposits | 40,335,000 | 37,475,000 | 37,140,000 | 38,853,000 |
| Noninterest-bearing deposits | 6,061,000 | 5,117,000 | 5,373,000 | 5,655,000 |
| Equity capital | 4,113,000 | 4,156,000 | 4,160,000 | 4,054,000 |
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 | 761,000 | 1,529,000 | 2,306,000 | 2,994,000 |
| Interest expense | 300,000 | 549,000 | 788,000 | 1,017,000 |
| Net interest income | 461,000 | 980,000 | 1,518,000 | 1,977,000 |
| Noninterest income | 65,000 | 125,000 | 184,000 | 244,000 |
| Noninterest expense | 358,000 | 730,000 | 1,109,000 | 1,482,000 |
| Provision for loan losses | 23,000 | 45,000 | 200,000 | 465,000 |
| Pretax income | 145,000 | 330,000 | 393,000 | 274,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 15,000 |
| Net income | 133,000 | 306,000 | 357,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,734,000 | 3,787,000 | 3,792,000 | 3,701,000 |
| Total capital | 4,156,000 | 4,234,000 | 4,255,000 | 4,150,000 |
| Risk-weighted assets | 38,883,000 | 36,302,000 | 36,925,000 | 35,876,000 |