Call reports 2008
FIRST STATE BANK OF ASHBY — 2008
What FIRST STATE BANK OF ASHBY 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 | 24,355,000 | 25,048,000 | 25,573,000 | 25,669,000 |
| Total loans | 16,409,000 | 15,697,000 | 16,539,000 | 16,330,000 |
| Allowance for loan losses | 211,000 | 212,000 | 168,000 | 168,000 |
| Securities available for sale | 3,538,000 | 3,389,000 | 3,250,000 | 3,232,000 |
| Securities held to maturity | 31,000 | 557,000 | 557,000 | 556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,269,000 | 23,012,000 | 23,468,000 | 23,500,000 |
| Interest-bearing deposits | 19,392,000 | 20,133,000 | 19,851,000 | 20,476,000 |
| Noninterest-bearing deposits | 2,877,000 | 2,879,000 | 3,617,000 | 3,024,000 |
| Equity capital | 1,991,000 | 1,939,000 | 2,013,000 | 2,093,000 |
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 | 401,000 | 773,000 | 1,139,000 | 1,504,000 |
| Interest expense | 196,000 | 375,000 | 547,000 | 708,000 |
| Net interest income | 205,000 | 398,000 | 592,000 | 796,000 |
| Noninterest income | 34,000 | 68,000 | 104,000 | 144,000 |
| Noninterest expense | 169,000 | 342,000 | 510,000 | 698,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 70,000 | 124,000 | 186,000 | 238,000 |
| Income tax | 0 | 0 | 1,000 | 0 |
| Net income | 70,000 | 124,000 | 185,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,948,000 | 1,957,000 | 1,999,000 | 2,028,000 |
| Total capital | 2,155,000 | 2,161,000 | 2,167,000 | 2,196,000 |
| Risk-weighted assets | 16,529,000 | 16,292,000 | 17,005,000 | 16,814,000 |
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