Call reports 2008
NAPOLEON STATE BANK, THE — 2008
What NAPOLEON STATE BANK, THE 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 | 117,959,000 | 119,709,000 | 122,660,000 | 125,684,000 |
| Total loans | 91,400,000 | 93,594,000 | 97,438,000 | 101,441,000 |
| Allowance for loan losses | 903,000 | 928,000 | 939,000 | 1,010,000 |
| Securities available for sale | 4,098,000 | 4,980,000 | 5,516,000 | 5,340,000 |
| Securities held to maturity | 4,026,000 | 4,739,000 | 4,616,000 | 4,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,624,000 | 102,310,000 | 105,093,000 | 108,063,000 |
| Interest-bearing deposits | 88,460,000 | 89,656,000 | 92,837,000 | 95,768,000 |
| Noninterest-bearing deposits | 12,164,000 | 12,654,000 | 12,256,000 | 12,295,000 |
| Equity capital | 12,558,000 | 12,604,000 | 12,738,000 | 12,756,000 |
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 | 1,736,000 | 3,433,000 | 5,155,000 | 6,903,000 |
| Interest expense | 852,000 | 1,659,000 | 2,459,000 | 3,185,000 |
| Net interest income | 884,000 | 1,774,000 | 2,696,000 | 3,718,000 |
| Noninterest income | 210,000 | 417,000 | 637,000 | 866,000 |
| Noninterest expense | 700,000 | 1,512,000 | 2,406,000 | 3,342,000 |
| Provision for loan losses | 55,000 | 115,000 | 195,000 | 390,000 |
| Pretax income | 339,000 | 564,000 | 732,000 | 852,000 |
| Income tax | 125,000 | 206,000 | 262,000 | 301,000 |
| Net income | 214,000 | 358,000 | 470,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,513,000 | 12,611,000 | 12,723,000 | 12,695,000 |
| Total capital | 13,416,000 | 13,539,000 | 13,662,000 | 13,705,000 |
| Risk-weighted assets | 85,932,000 | 88,680,000 | 91,817,000 | 95,050,000 |