Call reports 2008
LINDALE STATE BANK — 2008
What LINDALE 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 | 99,419,000 | 98,599,000 | 99,473,000 | 103,479,000 |
| Total loans | 61,958,000 | 62,029,000 | 62,524,000 | 60,700,000 |
| Allowance for loan losses | 875,000 | 902,000 | 930,000 | 909,000 |
| Securities available for sale | 26,006,000 | 28,071,000 | 24,927,000 | 29,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,242,000 | 87,709,000 | 88,276,000 | 92,619,000 |
| Interest-bearing deposits | 67,206,000 | 68,173,000 | 66,527,000 | 73,030,000 |
| Noninterest-bearing deposits | 21,036,000 | 19,536,000 | 21,749,000 | 19,589,000 |
| Equity capital | 10,525,000 | 10,431,000 | 10,712,000 | 10,414,000 |
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 | 1,280,000 | 2,481,000 | 3,702,000 | 4,861,000 |
| Interest expense | 527,000 | 1,008,000 | 1,452,000 | 1,878,000 |
| Net interest income | 753,000 | 1,473,000 | 2,250,000 | 2,983,000 |
| Noninterest income | 214,000 | 428,000 | 645,000 | 847,000 |
| Noninterest expense | 655,000 | 1,281,000 | 1,928,000 | 2,578,000 |
| Provision for loan losses | 35,000 | 69,000 | 105,000 | 1,047,000 |
| Pretax income | 277,000 | 551,000 | 862,000 | 205,000 |
| Income tax | 94,000 | 187,000 | 256,000 | 33,000 |
| Net income | 183,000 | 364,000 | 606,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,264,000 | 10,445,000 | 10,588,000 | 10,153,000 |
| Total capital | 11,116,000 | 11,312,000 | 11,452,000 | 11,015,000 |
| Risk-weighted assets | 67,383,000 | 68,574,000 | 68,331,000 | 68,193,000 |