Call reports 2008
FIRST STATE BANK OF ST. ROBERT — 2008
What FIRST STATE BANK OF ST. ROBERT 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 | 79,439,000 | 80,519,000 | 77,953,000 | 78,727,000 |
| Total loans | 56,303,000 | 55,623,000 | 56,982,000 | 56,164,000 |
| Allowance for loan losses | 650,000 | 647,000 | 675,000 | 666,000 |
| Securities available for sale | 13,323,000 | 13,497,000 | 13,358,000 | 13,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,029,000 | 69,262,000 | 67,732,000 | 67,293,000 |
| Interest-bearing deposits | 60,365,000 | 61,265,000 | 60,405,000 | 60,042,000 |
| Noninterest-bearing deposits | 7,664,000 | 7,997,000 | 7,327,000 | 7,251,000 |
| Equity capital | 6,949,000 | 6,920,000 | 6,949,000 | 7,189,000 |
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 | 1,351,000 | 2,654,000 | 3,968,000 | 5,251,000 |
| Interest expense | 580,000 | 1,111,000 | 1,598,000 | 2,057,000 |
| Net interest income | 771,000 | 1,543,000 | 2,370,000 | 3,194,000 |
| Noninterest income | 166,000 | 362,000 | 528,000 | 697,000 |
| Noninterest expense | 719,000 | 1,471,000 | 2,243,000 | 2,995,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 134,000 |
| Pretax income | 188,000 | 374,000 | 305,000 | 502,000 |
| Income tax | 53,000 | 104,000 | 41,000 | 95,000 |
| Net income | 135,000 | 270,000 | 264,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,820,000 | 6,956,000 | 6,950,000 | 7,093,000 |
| Total capital | 7,449,000 | 7,592,000 | 7,585,000 | 7,724,000 |
| Risk-weighted assets | 50,318,000 | 50,841,000 | 50,772,000 | 50,442,000 |