Call reports 2008
ELKHORN VALLEY BANK & TRUST — 2008
What ELKHORN VALLEY BANK & TRUST 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 | 347,961,000 | 349,649,000 | 354,477,000 | 354,291,000 |
| Total loans | 202,637,000 | 201,033,000 | 210,319,000 | 214,858,000 |
| Allowance for loan losses | 3,216,000 | 3,195,000 | 3,153,000 | 3,289,000 |
| Securities available for sale | 112,435,000 | 129,325,000 | 128,794,000 | 109,907,000 |
| Securities held to maturity | 329,000 | 329,000 | 303,000 | 288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,817,000 | 312,553,000 | 314,672,000 | 317,349,000 |
| Interest-bearing deposits | 288,042,000 | 291,910,000 | 295,868,000 | 296,985,000 |
| Noninterest-bearing deposits | 20,775,000 | 20,643,000 | 18,804,000 | 20,364,000 |
| Equity capital | 29,025,000 | 28,655,000 | 29,846,000 | 29,371,000 |
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 | 5,247,000 | 10,372,000 | 15,535,000 | 20,735,000 |
| Interest expense | 2,811,000 | 5,388,000 | 7,892,000 | 10,288,000 |
| Net interest income | 2,436,000 | 4,984,000 | 7,643,000 | 10,447,000 |
| Noninterest income | 540,000 | 1,159,000 | 1,728,000 | 2,358,000 |
| Noninterest expense | 1,696,000 | 3,326,000 | 5,074,000 | 7,053,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,280,000 | 2,817,000 | 4,047,000 | 5,502,000 |
| Income tax | 376,000 | 833,000 | 1,170,000 | 1,594,000 |
| Net income | 904,000 | 1,984,000 | 2,877,000 | 3,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,605,000 | 29,684,000 | 30,577,000 | 30,808,000 |
| Total capital | 31,483,000 | 32,556,000 | 33,538,000 | 33,808,000 |
| Risk-weighted assets | 229,867,000 | 229,514,000 | 236,686,000 | 239,689,000 |