Call reports 2008
FIRST STATE BANK — 2008
What FIRST 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 | 379,556,000 | 394,754,000 | 402,489,000 | 418,038,000 |
| Total loans | 168,462,000 | 205,646,000 | 218,665,000 | 222,227,000 |
| Allowance for loan losses | 1,754,000 | 2,184,000 | 2,527,000 | 2,989,000 |
| Securities available for sale | 140,884,000 | 141,490,000 | 132,666,000 | 140,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,384,000 | 359,061,000 | 365,114,000 | 376,077,000 |
| Interest-bearing deposits | 249,794,000 | 259,255,000 | 262,885,000 | 276,601,000 |
| Noninterest-bearing deposits | 93,590,000 | 99,806,000 | 102,229,000 | 99,476,000 |
| Equity capital | 33,305,000 | 29,700,000 | 31,416,000 | 34,777,000 |
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 | 5,022,000 | 10,060,000 | 15,338,000 | 20,566,000 |
| Interest expense | 1,910,000 | 3,516,000 | 4,978,000 | 6,247,000 |
| Net interest income | 3,112,000 | 6,544,000 | 10,360,000 | 14,319,000 |
| Noninterest income | 952,000 | 2,001,000 | 3,030,000 | 4,195,000 |
| Noninterest expense | 3,022,000 | 6,263,000 | 9,623,000 | 13,331,000 |
| Provision for loan losses | 120,000 | 240,000 | 740,000 | 1,245,000 |
| Pretax income | 927,000 | 2,042,000 | 3,276,000 | 4,184,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 108,000 |
| Net income | 900,000 | 1,988,000 | 3,195,000 | 4,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,269,000 | 25,889,000 | 26,665,000 | 27,710,000 |
| Total capital | 30,023,000 | 28,073,000 | 29,192,000 | 30,488,000 |
| Risk-weighted assets | 220,371,000 | 241,292,000 | 255,175,000 | 263,585,000 |