Call reports 2008
MISSISSIPPI RIVER BANK — 2008
What MISSISSIPPI RIVER 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 | 148,324,000 | 148,457,000 | 152,117,000 | 154,611,000 |
| Total loans | 66,382,000 | 72,509,000 | 76,463,000 | 75,926,000 |
| Allowance for loan losses | 983,000 | 1,037,000 | 1,086,000 | 1,162,000 |
| Securities available for sale | 46,634,000 | 45,750,000 | 45,414,000 | 45,125,000 |
| Securities held to maturity | 20,293,000 | 20,382,000 | 20,473,000 | 20,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,405,000 | 130,132,000 | 132,542,000 | 134,794,000 |
| Interest-bearing deposits | 80,957,000 | 81,920,000 | 85,557,000 | 87,094,000 |
| Noninterest-bearing deposits | 48,448,000 | 48,212,000 | 46,985,000 | 47,700,000 |
| Equity capital | 17,189,000 | 16,921,000 | 16,892,000 | 17,363,000 |
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 | 2,178,000 | 4,325,000 | 6,531,000 | 8,645,000 |
| Interest expense | 394,000 | 705,000 | 1,014,000 | 1,234,000 |
| Net interest income | 1,784,000 | 3,620,000 | 5,517,000 | 7,411,000 |
| Noninterest income | 143,000 | 296,000 | 438,000 | 594,000 |
| Noninterest expense | 1,489,000 | 2,458,000 | 3,462,000 | 4,445,000 |
| Provision for loan losses | 0 | 60,000 | 90,000 | 160,000 |
| Pretax income | 1,965,000 | 2,925,000 | 3,930,000 | 4,927,000 |
| Income tax | 610,000 | 873,000 | 1,150,000 | 1,385,000 |
| Net income | 1,355,000 | 2,052,000 | 2,780,000 | 3,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,262,000 | 17,959,000 | 17,418,000 | 17,258,000 |
| Total capital | 18,197,000 | 18,890,000 | 18,412,000 | 18,290,000 |
| Risk-weighted assets | 74,774,000 | 74,384,000 | 79,406,000 | 82,408,000 |