Call reports 2008
FIRST STATE BANK OF RANSOM, THE — 2008
What FIRST STATE BANK OF RANSOM, 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 | 36,229,000 | 36,906,000 | 36,368,000 | 37,170,000 |
| Total loans | 11,600,000 | 14,192,000 | 13,785,000 | 14,710,000 |
| Allowance for loan losses | 695,000 | 495,000 | 495,000 | 496,000 |
| Securities available for sale | 22,160,000 | 20,547,000 | 20,551,000 | 20,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,909,000 | 27,102,000 | 26,785,000 | 27,018,000 |
| Interest-bearing deposits | 24,028,000 | 23,278,000 | 23,158,000 | 22,923,000 |
| Noninterest-bearing deposits | 3,881,000 | 3,824,000 | 3,627,000 | 4,095,000 |
| Equity capital | 7,758,000 | 7,810,000 | 7,980,000 | 8,042,000 |
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 | 447,000 | 889,000 | 1,340,000 | 1,793,000 |
| Interest expense | 175,000 | 327,000 | 471,000 | 603,000 |
| Net interest income | 272,000 | 562,000 | 869,000 | 1,190,000 |
| Noninterest income | 41,000 | 75,000 | 113,000 | 150,000 |
| Noninterest expense | 159,000 | 339,000 | 517,000 | 773,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -200,000 |
| Pretax income | 167,000 | 511,000 | 678,000 | 787,000 |
| Income tax | 48,000 | 89,000 | 139,000 | 167,000 |
| Net income | 119,000 | 422,000 | 539,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,497,000 | 7,800,000 | 7,918,000 | 7,698,000 |
| Total capital | 7,715,000 | 8,047,000 | 8,167,000 | 7,952,000 |
| Risk-weighted assets | 16,946,000 | 19,505,000 | 19,730,000 | 20,131,000 |