Call reports 2008
PHELPS COUNTY BANK — 2008
What PHELPS COUNTY 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 | 216,976,000 | 223,396,000 | 226,555,000 | 226,940,000 |
| Total loans | 159,441,000 | 157,866,000 | 152,906,000 | 153,024,000 |
| Allowance for loan losses | 1,868,000 | 2,207,000 | 2,453,000 | 1,978,000 |
| Securities available for sale | 40,149,000 | 49,543,000 | 60,413,000 | 64,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,801,000 | 203,155,000 | 204,700,000 | 196,837,000 |
| Interest-bearing deposits | 161,647,000 | 170,193,000 | 172,337,000 | 167,416,000 |
| Noninterest-bearing deposits | 35,154,000 | 32,962,000 | 32,363,000 | 29,421,000 |
| Equity capital | 16,342,000 | 16,261,000 | 17,517,000 | 18,241,000 |
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 | 3,381,000 | 6,883,000 | 10,278,000 | 13,798,000 |
| Interest expense | 1,136,000 | 2,203,000 | 3,277,000 | 4,225,000 |
| Net interest income | 2,245,000 | 4,680,000 | 7,001,000 | 9,573,000 |
| Noninterest income | 561,000 | 1,262,000 | 1,956,000 | 2,618,000 |
| Noninterest expense | 1,786,000 | 3,677,000 | 5,530,000 | 7,407,000 |
| Provision for loan losses | 208,000 | 543,000 | 880,000 | 1,254,000 |
| Pretax income | 917,000 | 1,827,000 | 2,682,000 | 3,738,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 910,000 | 1,820,000 | 2,675,000 | 3,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,932,000 | 16,841,000 | 17,697,000 | 17,752,000 |
| Total capital | 17,574,000 | 18,474,000 | 19,332,000 | 19,334,000 |
| Risk-weighted assets | 131,169,000 | 130,026,000 | 130,021,000 | 126,174,000 |