Call reports 2008
SAVINGS BANK — 2008
What SAVINGS 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 | 77,891,000 | 80,952,000 | 83,656,000 | 89,016,000 |
| Total loans | 64,689,000 | 68,353,000 | 70,658,000 | 77,500,000 |
| Allowance for loan losses | 615,000 | 683,000 | 684,000 | 679,000 |
| Securities available for sale | 3,637,000 | 5,355,000 | 4,833,000 | 3,889,000 |
| Securities held to maturity | 3,950,000 | 3,869,000 | 4,021,000 | 4,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,249,000 | 71,259,000 | 71,297,000 | 74,319,000 |
| Interest-bearing deposits | 64,528,000 | 64,431,000 | 63,410,000 | 65,413,000 |
| Noninterest-bearing deposits | 6,721,000 | 6,828,000 | 7,887,000 | 8,906,000 |
| Equity capital | 6,255,000 | 6,295,000 | 6,471,000 | 6,710,000 |
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 | 1,217,000 | 2,424,000 | 3,635,000 | 4,849,000 |
| Interest expense | 645,000 | 1,207,000 | 1,748,000 | 2,253,000 |
| Net interest income | 572,000 | 1,217,000 | 1,887,000 | 2,596,000 |
| Noninterest income | 48,000 | 97,000 | 144,000 | 191,000 |
| Noninterest expense | 406,000 | 806,000 | 1,240,000 | 1,661,000 |
| Provision for loan losses | 25,000 | 100,000 | 100,000 | 115,000 |
| Pretax income | 189,000 | 408,000 | 691,000 | 1,011,000 |
| Income tax | 10,000 | 24,000 | 38,000 | 51,000 |
| Net income | 179,000 | 384,000 | 653,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,243,000 | 6,364,000 | 6,548,000 | 6,770,000 |
| Total capital | 6,858,000 | 7,047,000 | 7,232,000 | 7,449,000 |
| Risk-weighted assets | 66,033,000 | 68,002,000 | 69,444,000 | 75,446,000 |
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