Call reports 2008
TOUCHSTONE BANK — 2008
What TOUCHSTONE 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 | 171,027,000 | 164,763,000 | 165,365,000 | 165,462,000 |
| Total loans | 108,431,000 | 109,305,000 | 112,237,000 | 111,784,000 |
| Allowance for loan losses | 975,000 | 957,000 | 1,015,000 | 1,135,000 |
| Securities available for sale | 35,014,000 | 32,023,000 | 30,145,000 | 28,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,230,000 | 137,619,000 | 138,843,000 | 142,893,000 |
| Interest-bearing deposits | 111,174,000 | 112,711,000 | 113,587,000 | 116,752,000 |
| Noninterest-bearing deposits | 26,056,000 | 24,908,000 | 25,256,000 | 26,141,000 |
| Equity capital | 18,732,000 | 18,257,000 | 17,626,000 | 17,368,000 |
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 | 2,519,000 | 5,021,000 | 7,565,000 | 10,025,000 |
| Interest expense | 1,073,000 | 2,124,000 | 3,087,000 | 3,949,000 |
| Net interest income | 1,446,000 | 2,897,000 | 4,478,000 | 6,076,000 |
| Noninterest income | 418,000 | 826,000 | 1,246,000 | 1,613,000 |
| Noninterest expense | 1,447,000 | 2,960,000 | 4,479,000 | 5,886,000 |
| Provision for loan losses | 30,000 | 160,000 | 210,000 | 358,000 |
| Pretax income | 411,000 | 853,000 | 1,285,000 | 1,695,000 |
| Income tax | 117,000 | 239,000 | 367,000 | 443,000 |
| Net income | 294,000 | 614,000 | 918,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,282,000 | 18,601,000 | 18,906,000 | 18,719,000 |
| Total capital | 19,117,000 | 19,418,000 | 19,782,000 | 19,674,000 |
| Risk-weighted assets | 117,644,000 | 127,708,000 | 131,323,000 | 130,354,000 |
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