Call reports 2008
RNB STATE BANK — 2008
What RNB 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 | 147,651,000 | 155,931,000 | 153,355,000 | 150,488,000 |
| Total loans | 99,334,000 | 109,965,000 | 100,054,000 | 101,823,000 |
| Allowance for loan losses | 1,230,000 | 1,233,000 | 1,435,000 | 1,439,000 |
| Securities available for sale | 32,721,000 | 34,289,000 | 32,155,000 | 31,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,749,000 | 130,788,000 | 134,844,000 | 129,338,000 |
| Interest-bearing deposits | 109,273,000 | 112,147,000 | 115,429,000 | 109,600,000 |
| Noninterest-bearing deposits | 19,476,000 | 18,641,000 | 19,416,000 | 19,738,000 |
| Equity capital | 14,815,000 | 14,694,000 | 14,676,000 | 15,040,000 |
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 | 2,281,000 | 4,406,000 | 6,488,000 | 8,372,000 |
| Interest expense | 731,000 | 1,337,000 | 1,911,000 | 2,401,000 |
| Net interest income | 1,550,000 | 3,069,000 | 4,577,000 | 5,971,000 |
| Noninterest income | 221,000 | 441,000 | 597,000 | 803,000 |
| Noninterest expense | 1,338,000 | 2,686,000 | 4,032,000 | 5,511,000 |
| Provision for loan losses | 0 | 10,000 | 370,000 | 370,000 |
| Pretax income | 433,000 | 814,000 | 772,000 | 893,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 433,000 | 807,000 | 765,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,158,000 | 14,332,000 | 14,289,000 | 14,360,000 |
| Total capital | 15,387,000 | 15,565,000 | 15,724,000 | 15,759,000 |
| Risk-weighted assets | 110,999,000 | 123,569,000 | 116,364,000 | 116,218,000 |