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 | 39,570,000 | 38,211,000 | 37,031,000 | 38,371,000 |
| Total loans | 28,723,000 | 29,387,000 | 29,627,000 | 26,915,000 |
| Allowance for loan losses | 1,077,000 | 1,013,000 | 958,000 | 976,000 |
| Securities available for sale | 4,801,000 | 4,160,000 | 3,830,000 | 4,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,198,000 | 32,806,000 | 31,539,000 | 32,972,000 |
| Interest-bearing deposits | 30,885,000 | 26,151,000 | 28,797,000 | 25,808,000 |
| Noninterest-bearing deposits | 3,313,000 | 6,655,000 | 2,742,000 | 7,164,000 |
| Equity capital | 3,685,000 | 3,743,000 | 3,827,000 | 3,769,000 |
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 | 684,000 | 1,343,000 | 1,998,000 | 2,601,000 |
| Interest expense | 321,000 | 609,000 | 864,000 | 1,107,000 |
| Net interest income | 363,000 | 734,000 | 1,134,000 | 1,494,000 |
| Noninterest income | 77,000 | 108,000 | 146,000 | 196,000 |
| Noninterest expense | 311,000 | 602,000 | 897,000 | 1,215,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 220,000 |
| Pretax income | 114,000 | 210,000 | 323,000 | 255,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 10,000 |
| Net income | 111,000 | 204,000 | 314,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,616,000 | 3,708,000 | 3,819,000 | 3,749,000 |
| Total capital | 4,004,000 | 4,101,000 | 4,213,000 | 4,127,000 |
| Risk-weighted assets | 30,334,000 | 30,835,000 | 30,996,000 | 29,679,000 |