Call reports 2008
NORTH AMERICAN STATE BANK — 2008
What NORTH AMERICAN 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 | 108,903,000 | 111,546,000 | 114,286,000 | 116,909,000 |
| Total loans | 86,546,000 | 86,750,000 | 89,882,000 | 89,900,000 |
| Allowance for loan losses | 1,243,000 | 1,284,000 | 1,529,000 | 1,858,000 |
| Securities available for sale | 10,394,000 | 14,026,000 | 13,868,000 | 14,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,179,000 | 84,637,000 | 85,700,000 | 87,895,000 |
| Interest-bearing deposits | 74,830,000 | 74,277,000 | 75,850,000 | 73,846,000 |
| Noninterest-bearing deposits | 10,349,000 | 10,360,000 | 9,850,000 | 14,049,000 |
| Equity capital | 11,444,000 | 11,312,000 | 11,448,000 | 11,537,000 |
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 | 1,816,000 | 3,653,000 | 5,456,000 | 7,244,000 |
| Interest expense | 758,000 | 1,427,000 | 2,059,000 | 2,688,000 |
| Net interest income | 1,058,000 | 2,226,000 | 3,397,000 | 4,556,000 |
| Noninterest income | 95,000 | 190,000 | 315,000 | 410,000 |
| Noninterest expense | 946,000 | 1,931,000 | 2,888,000 | 3,961,000 |
| Provision for loan losses | 165,000 | 214,000 | 503,000 | 954,000 |
| Pretax income | 42,000 | 271,000 | 321,000 | 51,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | 271,000 | 321,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,307,000 | 11,536,000 | 11,587,000 | 11,317,000 |
| Total capital | 12,505,000 | 12,733,000 | 12,812,000 | 12,552,000 |
| Risk-weighted assets | 95,776,000 | 95,698,000 | 97,696,000 | 98,161,000 |