Call reports 2008
BANK OF COUSHATTA — 2008
What BANK OF COUSHATTA 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 | 91,215,000 | 99,632,000 | 107,204,000 | 113,584,000 |
| Total loans | 41,899,000 | 42,141,000 | 45,036,000 | 45,721,000 |
| Allowance for loan losses | 561,000 | 625,000 | 485,000 | 587,000 |
| Securities available for sale | 41,527,000 | 48,241,000 | 49,127,000 | 54,125,000 |
| Securities held to maturity | 299,000 | 298,000 | 299,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,041,000 | 79,029,000 | 92,748,000 | 98,871,000 |
| Interest-bearing deposits | 56,851,000 | 63,387,000 | 68,789,000 | 78,625,000 |
| Noninterest-bearing deposits | 10,190,000 | 15,642,000 | 23,959,000 | 20,246,000 |
| Equity capital | 8,044,000 | 7,970,000 | 8,212,000 | 8,528,000 |
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 | 1,529,000 | 3,099,000 | 4,773,000 | 6,472,000 |
| Interest expense | 705,000 | 1,368,000 | 1,994,000 | 2,564,000 |
| Net interest income | 824,000 | 1,731,000 | 2,779,000 | 3,908,000 |
| Noninterest income | 174,000 | 338,000 | 468,000 | 585,000 |
| Noninterest expense | 560,000 | 1,116,000 | 1,664,000 | 2,433,000 |
| Provision for loan losses | 60,000 | 122,000 | 174,000 | 284,000 |
| Pretax income | 398,000 | 852,000 | 1,430,000 | 1,802,000 |
| Income tax | 18,000 | 26,000 | 30,000 | 34,000 |
| Net income | 380,000 | 826,000 | 1,400,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,957,000 | 8,292,000 | 8,766,000 | 9,009,000 |
| Total capital | 8,518,000 | 8,890,000 | 9,251,000 | 9,596,000 |
| Risk-weighted assets | 45,974,000 | 47,853,000 | 51,179,000 | 53,223,000 |