Call reports 2008
BRIDGE CITY STATE BANK — 2008
What BRIDGE CITY STATE 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 | 101,878,000 | 104,071,000 | 106,247,000 | 130,398,000 |
| Total loans | 54,302,000 | 51,494,000 | 54,948,000 | 54,587,000 |
| Allowance for loan losses | 725,000 | 750,000 | 778,000 | 808,000 |
| Securities available for sale | 42,624,000 | 48,032,000 | 45,520,000 | 49,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,348,000 | 91,807,000 | 90,261,000 | 118,574,000 |
| Interest-bearing deposits | 62,582,000 | 62,315,000 | 59,884,000 | 72,134,000 |
| Noninterest-bearing deposits | 27,766,000 | 29,492,000 | 30,377,000 | 46,440,000 |
| Equity capital | 10,839,000 | 10,897,000 | 10,689,000 | 11,156,000 |
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 | 1,604,000 | 3,185,000 | 4,760,000 | 6,356,000 |
| Interest expense | 331,000 | 608,000 | 882,000 | 1,114,000 |
| Net interest income | 1,273,000 | 2,577,000 | 3,878,000 | 5,242,000 |
| Noninterest income | 154,000 | 306,000 | 473,000 | 611,000 |
| Noninterest expense | 753,000 | 1,501,000 | 2,293,000 | 3,324,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 672,000 | 1,419,000 | 839,000 | 1,281,000 |
| Income tax | 185,000 | 390,000 | -143,000 | 41,000 |
| Net income | 487,000 | 1,029,000 | 982,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,172,000 | 10,637,000 | 10,539,000 | 10,687,000 |
| Total capital | 10,897,000 | 11,387,000 | 11,307,000 | 11,495,000 |
| Risk-weighted assets | 61,140,000 | 60,413,000 | 61,442,000 | 65,847,000 |