Call reports 2008
JOURDANTON STATE BANK — 2008
What JOURDANTON 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 | 85,229,000 | 77,289,000 | 79,565,000 | 80,540,000 |
| Total loans | 25,854,000 | 26,489,000 | 26,965,000 | 26,885,000 |
| Allowance for loan losses | 472,000 | 485,000 | 340,000 | 329,000 |
| Securities available for sale | 31,973,000 | 33,815,000 | 33,770,000 | 31,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,987,000 | 60,631,000 | 61,545,000 | 62,692,000 |
| Interest-bearing deposits | 45,513,000 | 37,710,000 | 37,562,000 | 38,349,000 |
| Noninterest-bearing deposits | 23,474,000 | 22,921,000 | 23,983,000 | 24,343,000 |
| Equity capital | 15,534,000 | 15,427,000 | 16,351,000 | 16,260,000 |
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 | 1,005,000 | 1,947,000 | 2,876,000 | 3,764,000 |
| Interest expense | 163,000 | 289,000 | 400,000 | 496,000 |
| Net interest income | 842,000 | 1,658,000 | 2,476,000 | 3,268,000 |
| Noninterest income | 414,000 | 1,009,000 | 1,973,000 | 2,577,000 |
| Noninterest expense | 1,104,000 | 2,307,000 | 3,524,000 | 4,689,000 |
| Provision for loan losses | 29,000 | 50,000 | -392,000 | -367,000 |
| Pretax income | 123,000 | 310,000 | 1,317,000 | 1,523,000 |
| Income tax | -13,000 | -1,000 | 284,000 | 294,000 |
| Net income | 136,000 | 311,000 | 1,033,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,434,000 | 14,162,000 | 14,936,000 | 14,889,000 |
| Total capital | 14,906,000 | 14,647,000 | 15,276,000 | 15,218,000 |
| Risk-weighted assets | 41,221,000 | 42,214,000 | 43,526,000 | 43,357,000 |