Call reports 2008
ROBERT LEE STATE BANK — 2008
What ROBERT LEE 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 | 42,872,000 | 41,577,000 | 51,195,000 | 51,813,000 |
| Total loans | 14,149,000 | 14,047,000 | 13,762,000 | 14,016,000 |
| Allowance for loan losses | 463,000 | 237,000 | 234,000 | 349,000 |
| Securities available for sale | 9,271,000 | 10,607,000 | 10,640,000 | 19,563,000 |
| Securities held to maturity | 11,903,000 | 12,722,000 | 12,241,000 | 11,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,904,000 | 35,961,000 | 45,567,000 | 45,965,000 |
| Interest-bearing deposits | 29,817,000 | 28,841,000 | 28,821,000 | 37,835,000 |
| Noninterest-bearing deposits | 7,087,000 | 7,120,000 | 16,746,000 | 8,130,000 |
| Equity capital | 4,463,000 | 4,147,000 | 4,269,000 | 4,605,000 |
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 | 623,000 | 1,199,000 | 1,755,000 | 2,354,000 |
| Interest expense | 278,000 | 533,000 | 742,000 | 973,000 |
| Net interest income | 345,000 | 666,000 | 1,013,000 | 1,381,000 |
| Noninterest income | 56,000 | 141,000 | 212,000 | 341,000 |
| Noninterest expense | 311,000 | 693,000 | 1,060,000 | 1,494,000 |
| Provision for loan losses | 0 | 0 | 0 | 145,000 |
| Pretax income | 90,000 | 114,000 | 165,000 | 83,000 |
| Income tax | 15,000 | 30,000 | 40,000 | -24,000 |
| Net income | 75,000 | 84,000 | 125,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,368,000 | 4,356,000 | 4,397,000 | 4,378,000 |
| Total capital | 4,622,000 | 4,594,000 | 4,631,000 | 4,682,000 |
| Risk-weighted assets | 21,692,000 | 22,114,000 | 23,610,000 | 23,528,000 |