Call reports 2008
PAYNE COUNTY BANK, THE — 2008
What PAYNE COUNTY BANK, THE 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 | 97,336,000 | 100,533,000 | 101,743,000 | 102,759,000 |
| Total loans | 63,923,000 | 67,553,000 | 67,525,000 | 69,739,000 |
| Allowance for loan losses | 447,000 | 509,000 | 596,000 | 729,000 |
| Securities available for sale | 23,144,000 | 23,763,000 | 24,208,000 | 25,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,236,000 | 82,383,000 | 83,971,000 | 84,951,000 |
| Interest-bearing deposits | 64,758,000 | 66,950,000 | 68,745,000 | 70,255,000 |
| Noninterest-bearing deposits | 14,478,000 | 15,433,000 | 15,226,000 | 14,696,000 |
| Equity capital | 17,401,000 | 17,402,000 | 16,959,000 | 17,244,000 |
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 | 1,743,000 | 3,431,000 | 5,112,000 | 6,801,000 |
| Interest expense | 570,000 | 1,055,000 | 1,512,000 | 1,962,000 |
| Net interest income | 1,173,000 | 2,376,000 | 3,600,000 | 4,839,000 |
| Noninterest income | 247,000 | 486,000 | 732,000 | 950,000 |
| Noninterest expense | 717,000 | 1,408,000 | 2,093,000 | 3,297,000 |
| Provision for loan losses | 25,000 | 190,000 | 340,000 | 490,000 |
| Pretax income | 678,000 | 1,264,000 | 1,899,000 | 2,002,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 678,000 | 1,264,000 | 1,899,000 | 2,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,914,000 | 17,500,000 | 16,591,000 | 16,693,000 |
| Total capital | 17,361,000 | 18,009,000 | 17,187,000 | 17,422,000 |
| Risk-weighted assets | 66,906,000 | 70,473,000 | 70,378,000 | 72,050,000 |