Call reports 2008
HUSTISFORD STATE BANK — 2008
What HUSTISFORD 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 | 43,515,000 | 44,442,000 | 43,850,000 | 46,649,000 |
| Total loans | 34,000,000 | 33,763,000 | 34,815,000 | 36,378,000 |
| Allowance for loan losses | 491,000 | 492,000 | 493,000 | 522,000 |
| Securities available for sale | 3,612,000 | 4,153,000 | 4,259,000 | 4,197,000 |
| Securities held to maturity | 155,000 | 155,000 | 55,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,843,000 | 32,760,000 | 31,979,000 | 33,138,000 |
| Interest-bearing deposits | 26,591,000 | 26,859,000 | 27,078,000 | 27,232,000 |
| Noninterest-bearing deposits | 5,252,000 | 5,901,000 | 4,901,000 | 5,906,000 |
| Equity capital | 6,819,000 | 6,890,000 | 6,986,000 | 6,715,000 |
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 | 627,000 | 1,242,000 | 1,900,000 | 2,534,000 |
| Interest expense | 298,000 | 568,000 | 824,000 | 1,056,000 |
| Net interest income | 329,000 | 674,000 | 1,076,000 | 1,478,000 |
| Noninterest income | 30,000 | 180,000 | 186,000 | 228,000 |
| Noninterest expense | 284,000 | 731,000 | 1,016,000 | 1,318,000 |
| Provision for loan losses | 3,000 | 4,000 | 5,000 | 43,000 |
| Pretax income | 72,000 | 119,000 | 241,000 | 345,000 |
| Income tax | 20,000 | -46,000 | -17,000 | 25,000 |
| Net income | 52,000 | 165,000 | 258,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,774,000 | 6,888,000 | 6,980,000 | 6,668,000 |
| Total capital | 7,142,000 | 7,256,000 | 7,348,000 | 7,070,000 |
| Risk-weighted assets | 29,318,000 | 29,288,000 | 29,278,000 | 32,039,000 |