Call reports 2008
WEST PLAINS BANK — 2008
What WEST PLAINS 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 | 72,621,000 | 75,016,000 | 77,208,000 | 81,277,000 |
| Total loans | 42,440,000 | 45,198,000 | 43,351,000 | 47,698,000 |
| Allowance for loan losses | 655,000 | 654,000 | 655,000 | 694,000 |
| Securities available for sale | 19,409,000 | 19,598,000 | 23,516,000 | 22,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,147,000 | 62,432,000 | 64,891,000 | 68,943,000 |
| Interest-bearing deposits | 51,790,000 | 53,831,000 | 56,072,000 | 58,108,000 |
| Noninterest-bearing deposits | 8,357,000 | 8,601,000 | 8,819,000 | 10,835,000 |
| Equity capital | 9,679,000 | 9,751,000 | 9,460,000 | 9,428,000 |
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 | 1,128,000 | 2,274,000 | 3,333,000 | 4,365,000 |
| Interest expense | 434,000 | 825,000 | 1,208,000 | 1,562,000 |
| Net interest income | 694,000 | 1,449,000 | 2,125,000 | 2,803,000 |
| Noninterest income | 75,000 | 167,000 | 254,000 | 334,000 |
| Noninterest expense | 458,000 | 914,000 | 1,363,000 | 1,803,000 |
| Provision for loan losses | 0 | 0 | 0 | 639,000 |
| Pretax income | 311,000 | 702,000 | 829,000 | 508,000 |
| Income tax | 88,000 | 195,000 | 212,000 | 89,000 |
| Net income | 223,000 | 507,000 | 617,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,148,000 | 9,431,000 | 9,112,000 | 8,912,000 |
| Total capital | 9,803,000 | 10,085,000 | 9,767,000 | 9,606,000 |
| Risk-weighted assets | 54,210,000 | 56,988,000 | 56,211,000 | 60,579,000 |