Call reports 2008
SMALL TOWN BANK — 2008
What SMALL TOWN 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 | 218,010,000 | 218,795,000 | 207,818,000 | 208,878,000 |
| Total loans | 139,179,000 | 142,906,000 | 140,683,000 | 142,570,000 |
| Allowance for loan losses | 1,902,000 | 1,891,000 | 1,863,000 | 1,882,000 |
| Securities available for sale | 58,668,000 | 58,145,000 | 49,101,000 | 46,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,735,000 | 172,396,000 | 165,692,000 | 166,841,000 |
| Interest-bearing deposits | 163,355,000 | 158,286,000 | 151,297,000 | 153,838,000 |
| Noninterest-bearing deposits | 14,380,000 | 14,110,000 | 14,395,000 | 13,003,000 |
| Equity capital | 24,851,000 | 22,184,000 | 21,463,000 | 21,712,000 |
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 | 3,805,000 | 7,529,000 | 11,158,000 | 14,651,000 |
| Interest expense | 1,873,000 | 3,610,000 | 5,198,000 | 6,676,000 |
| Net interest income | 1,932,000 | 3,919,000 | 5,960,000 | 7,975,000 |
| Noninterest income | 324,000 | 690,000 | 1,038,000 | 1,377,000 |
| Noninterest expense | 1,157,000 | 2,379,000 | 3,564,000 | 4,795,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,054,000 | 2,350,000 | 3,515,000 | 4,644,000 |
| Income tax | 262,000 | 584,000 | 840,000 | 1,105,000 |
| Net income | 792,000 | 1,766,000 | 2,675,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,219,000 | 19,768,000 | 20,308,000 | 20,325,000 |
| Total capital | 24,121,000 | 21,659,000 | 22,171,000 | 22,207,000 |
| Risk-weighted assets | 158,896,000 | 165,913,000 | 157,993,000 | 160,183,000 |