Call reports 2008
GUIDE ROCK STATE BANK — 2008
What GUIDE ROCK 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 | 27,292,000 | 26,734,000 | 27,795,000 | 30,505,000 |
| Total loans | 19,638,000 | 21,546,000 | 22,692,000 | 21,597,000 |
| Allowance for loan losses | 749,000 | 768,000 | 790,000 | 700,000 |
| Securities available for sale | 1,875,000 | 1,889,000 | 2,087,000 | 3,063,000 |
| Securities held to maturity | 1,270,000 | 1,060,000 | 1,060,000 | 560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,137,000 | 23,605,000 | 23,734,000 | 27,406,000 |
| Interest-bearing deposits | 20,049,000 | 20,289,000 | 20,266,000 | 22,651,000 |
| Noninterest-bearing deposits | 4,088,000 | 3,316,000 | 3,468,000 | 4,755,000 |
| Equity capital | 3,072,000 | 3,060,000 | 3,136,000 | 3,030,000 |
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 | 469,000 | 890,000 | 1,351,000 | 1,820,000 |
| Interest expense | 171,000 | 340,000 | 518,000 | 710,000 |
| Net interest income | 298,000 | 550,000 | 833,000 | 1,110,000 |
| Noninterest income | 36,000 | 75,000 | 117,000 | 154,000 |
| Noninterest expense | 206,000 | 428,000 | 623,000 | 943,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 173,000 |
| Pretax income | 113,000 | 168,000 | 283,000 | 149,000 |
| Income tax | 20,000 | 38,000 | 53,000 | 63,000 |
| Net income | 93,000 | 130,000 | 230,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,054,000 | 3,090,000 | 3,190,000 | 3,046,000 |
| Total capital | 3,328,000 | 3,383,000 | 3,498,000 | 3,351,000 |
| Risk-weighted assets | 21,458,000 | 22,980,000 | 24,135,000 | 24,018,000 |