Call reports 2008
BANK OF BOURBONNAIS — 2008
What BANK OF BOURBONNAIS 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 | 60,177,000 | 59,451,000 | 65,697,000 | 66,585,000 |
| Total loans | 44,407,000 | 45,233,000 | 46,324,000 | 46,257,000 |
| Allowance for loan losses | 623,000 | 630,000 | 627,000 | 643,000 |
| Securities available for sale | 6,063,000 | 7,029,000 | 8,650,000 | 8,948,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,213,000 | 49,806,000 | 54,508,000 | 57,229,000 |
| Interest-bearing deposits | 43,862,000 | 43,719,000 | 48,744,000 | 50,769,000 |
| Noninterest-bearing deposits | 7,352,000 | 6,088,000 | 5,764,000 | 6,459,000 |
| Equity capital | 4,697,000 | 4,725,000 | 4,779,000 | 4,886,000 |
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 | 851,000 | 1,684,000 | 2,500,000 | 3,332,000 |
| Interest expense | 439,000 | 817,000 | 1,192,000 | 1,605,000 |
| Net interest income | 412,000 | 867,000 | 1,308,000 | 1,727,000 |
| Noninterest income | 53,000 | 112,000 | 185,000 | 235,000 |
| Noninterest expense | 401,000 | 790,000 | 1,190,000 | 1,566,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 39,000 |
| Pretax income | 56,000 | 174,000 | 276,000 | 353,000 |
| Income tax | 17,000 | 59,000 | 94,000 | 119,000 |
| Net income | 39,000 | 115,000 | 182,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,680,000 | 4,742,000 | 4,793,000 | 4,828,000 |
| Total capital | 5,209,000 | 5,276,000 | 5,360,000 | 5,398,000 |
| Risk-weighted assets | 42,141,000 | 42,595,000 | 45,271,000 | 45,507,000 |