Call reports 2008
ALMENA STATE BANK — 2008
What ALMENA 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 | 15,551,000 | 16,154,000 | 16,167,000 | 16,883,000 |
| Total loans | 11,711,000 | 12,775,000 | 12,847,000 | 13,781,000 |
| Allowance for loan losses | 94,000 | 93,000 | 94,000 | 92,000 |
| Securities available for sale | 0 | 0 | 0 | 401,000 |
| Securities held to maturity | 719,000 | 718,000 | 716,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,387,000 | 15,038,000 | 14,885,000 | 15,619,000 |
| Interest-bearing deposits | 11,833,000 | 12,522,000 | 12,469,000 | 13,021,000 |
| Noninterest-bearing deposits | 2,553,000 | 2,515,000 | 2,416,000 | 2,598,000 |
| Equity capital | 1,080,000 | 1,043,000 | 1,196,000 | 1,207,000 |
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 | 278,000 | 565,000 | 847,000 | 1,141,000 |
| Interest expense | 88,000 | 172,000 | 248,000 | 323,000 |
| Net interest income | 190,000 | 393,000 | 599,000 | 818,000 |
| Noninterest income | 57,000 | 88,000 | 233,000 | 343,000 |
| Noninterest expense | 220,000 | 431,000 | 629,000 | 878,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 27,000 | 50,000 | 203,000 | 283,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | 27,000 | 51,000 | 204,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,059,000 | 1,022,000 | 1,175,000 | 1,186,000 |
| Total capital | 1,153,000 | 1,115,000 | 1,269,000 | 1,278,000 |
| Risk-weighted assets | 12,268,000 | 13,182,000 | 13,181,000 | 13,624,000 |