Call reports 2008
ISLANDERS BANK — 2008
What ISLANDERS 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 | 178,984,000 | 170,045,000 | 212,311,000 | 205,924,000 |
| Total loans | 134,467,000 | 134,591,000 | 176,731,000 | 181,878,000 |
| Allowance for loan losses | 1,397,000 | 1,198,000 | 1,415,000 | 1,385,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,010,000 | 4,749,000 | 4,624,000 | 3,754,000 |
| Total deposits | 129,800,000 | 128,612,000 | 142,967,000 | 176,951,000 |
| Interest-bearing deposits | 89,074,000 | 87,827,000 | 98,924,000 | 106,384,000 |
| Noninterest-bearing deposits | 40,726,000 | 40,785,000 | 44,043,000 | 70,567,000 |
| Equity capital | 42,722,000 | 35,022,000 | 35,278,000 | 25,732,000 |
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 | 2,531,000 | 5,054,000 | 7,587,000 | 10,749,000 |
| Interest expense | 579,000 | 1,085,000 | 1,572,000 | 2,175,000 |
| Net interest income | 1,952,000 | 3,969,000 | 6,015,000 | 8,574,000 |
| Noninterest income | 389,000 | 715,000 | 1,113,000 | 1,504,000 |
| Noninterest expense | 1,657,000 | 11,283,000 | 12,935,000 | 26,716,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 669,000 | -6,644,000 | -5,882,000 | -16,743,000 |
| Income tax | 214,000 | 435,000 | 689,000 | 1,115,000 |
| Net income | 455,000 | -7,079,000 | -6,571,000 | -17,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,128,000 | 19,535,000 | 19,944,000 | 22,703,000 |
| Total capital | 20,525,000 | 20,733,000 | 21,359,000 | 24,088,000 |
| Risk-weighted assets | 130,746,000 | 135,034,000 | 176,545,000 | 181,522,000 |
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