Call reports 2008
YOUNG AMERICANS BANK — 2008
What YOUNG AMERICANS 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 | 14,026,000 | 13,951,000 | 13,573,000 | 13,830,000 |
| Total loans | 68,000 | 71,000 | 76,000 | 65,000 |
| Allowance for loan losses | 23,000 | 7,000 | 7,000 | 6,000 |
| Securities available for sale | 8,372,000 | 9,690,000 | 10,629,000 | 9,793,000 |
| Securities held to maturity | 3,014,000 | 2,507,000 | 1,502,000 | 501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,744,000 | 12,823,000 | 12,509,000 | 12,394,000 |
| Interest-bearing deposits | 11,183,000 | 11,229,000 | 10,915,000 | 10,845,000 |
| Noninterest-bearing deposits | 1,562,000 | 1,594,000 | 1,594,000 | 1,549,000 |
| Equity capital | 1,266,000 | 1,113,000 | 1,056,000 | 1,385,000 |
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 | 151,000 | 302,000 | 460,000 | 614,000 |
| Interest expense | 28,000 | 52,000 | 76,000 | 100,000 |
| Net interest income | 123,000 | 250,000 | 384,000 | 514,000 |
| Noninterest income | 10,000 | 20,000 | 32,000 | 45,000 |
| Noninterest expense | 250,000 | 531,000 | 792,000 | 1,064,000 |
| Provision for loan losses | 0 | -15,000 | -15,000 | -15,000 |
| Pretax income | -117,000 | -246,000 | -361,000 | -490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -117,000 | -246,000 | -361,000 | -490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,026,000 | 1,057,000 | 1,062,000 | 1,068,000 |
| Total capital | 1,049,000 | 1,064,000 | 1,069,000 | 1,074,000 |
| Risk-weighted assets | 2,789,000 | 2,816,000 | 2,760,000 | 2,751,000 |
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