Call reports 2008
FIRST STATE BANK — 2008
What FIRST 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 | 738,642,000 | 730,754,000 | 696,509,000 | 664,114,000 |
| Total loans | 411,887,000 | 392,058,000 | 374,704,000 | 363,342,000 |
| Allowance for loan losses | 9,401,000 | 9,295,000 | 8,104,000 | 8,372,000 |
| Securities available for sale | 284,758,000 | 272,095,000 | 266,288,000 | 241,146,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,114,000 | 598,427,000 | 565,085,000 | 538,077,000 |
| Interest-bearing deposits | 529,960,000 | 526,184,000 | 499,039,000 | 475,069,000 |
| Noninterest-bearing deposits | 67,154,000 | 72,243,000 | 66,046,000 | 63,008,000 |
| Equity capital | 64,897,000 | 61,075,000 | 64,305,000 | 61,111,000 |
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 | 9,980,000 | 19,447,000 | 28,616,000 | 37,354,000 |
| Interest expense | 5,272,000 | 9,566,000 | 13,311,000 | 16,712,000 |
| Net interest income | 4,708,000 | 9,881,000 | 15,305,000 | 20,642,000 |
| Noninterest income | 959,000 | 2,002,000 | 3,119,000 | 4,009,000 |
| Noninterest expense | 4,835,000 | 9,849,000 | 14,727,000 | 24,059,000 |
| Provision for loan losses | 600,000 | 4,300,000 | 4,900,000 | 9,000,000 |
| Pretax income | 232,000 | -2,266,000 | -1,203,000 | -8,408,000 |
| Income tax | 85,000 | -800,000 | -425,000 | -2,938,000 |
| Net income | 147,000 | -1,466,000 | -778,000 | -5,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,128,000 | 62,515,000 | 62,119,000 | 58,609,000 |
| Total capital | 69,347,000 | 66,623,000 | 66,928,000 | 63,408,000 |
| Risk-weighted assets | 413,324,000 | 399,803,000 | 382,372,000 | 380,765,000 |