Call reports 2008
FIRST STATE BANK OF MURDOCK — 2008
What FIRST STATE BANK OF MURDOCK 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 | 8,527,000 | 8,252,000 | 8,569,000 | 8,402,000 |
| Total loans | 5,760,000 | 5,666,000 | 5,982,000 | 6,004,000 |
| Allowance for loan losses | 58,000 | 60,000 | 63,000 | 63,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,551,000 | 7,269,000 | 7,617,000 | 7,455,000 |
| Interest-bearing deposits | 5,260,000 | 5,045,000 | 4,782,000 | 4,716,000 |
| Noninterest-bearing deposits | 2,291,000 | 2,224,000 | 2,835,000 | 2,739,000 |
| Equity capital | 909,000 | 920,000 | 898,000 | 899,000 |
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 | 146,000 | 283,000 | 419,000 | 556,000 |
| Interest expense | 38,000 | 70,000 | 97,000 | 120,000 |
| Net interest income | 108,000 | 213,000 | 322,000 | 436,000 |
| Noninterest income | 13,000 | 25,000 | 35,000 | 51,000 |
| Noninterest expense | 105,000 | 208,000 | 309,000 | 435,000 |
| Provision for loan losses | 0 | 3,000 | 5,000 | 5,000 |
| Pretax income | 16,000 | 27,000 | 43,000 | 47,000 |
| Income tax | 0 | 1,000 | 3,000 | 6,000 |
| Net income | 16,000 | 26,000 | 40,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 909,000 | 920,000 | 898,000 | 899,000 |
| Total capital | 967,000 | 920,000 | 961,000 | 962,000 |
| Risk-weighted assets | 5,315,000 | 5,252,000 | 5,620,000 | 5,554,000 |