Call reports 2008
XENITH BANK — 2008
What XENITH 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 | 581,257,000 | 554,321,000 | 596,769,000 | 606,882,000 |
| Total loans | 484,681,000 | 498,979,000 | 541,387,000 | 550,611,000 |
| Allowance for loan losses | 5,320,000 | 5,591,000 | 5,861,000 | 6,432,000 |
| Securities available for sale | 26,523,000 | 20,042,000 | 18,956,000 | 17,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,976,000 | 434,558,000 | 477,906,000 | 487,335,000 |
| Interest-bearing deposits | 358,221,000 | 338,192,000 | 380,308,000 | 343,300,000 |
| Noninterest-bearing deposits | 97,755,000 | 96,366,000 | 97,598,000 | 144,035,000 |
| Equity capital | 69,787,000 | 69,903,000 | 70,174,000 | 70,689,000 |
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 | 9,430,000 | 18,088,000 | 26,654,000 | 36,015,000 |
| Interest expense | 4,017,000 | 7,527,000 | 10,818,000 | 14,231,000 |
| Net interest income | 5,413,000 | 10,561,000 | 15,836,000 | 21,784,000 |
| Noninterest income | 830,000 | 2,126,000 | 3,043,000 | 4,012,000 |
| Noninterest expense | 4,060,000 | 8,014,000 | 12,035,000 | 16,252,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 1,380,000 |
| Pretax income | 2,262,000 | 4,591,000 | 6,491,000 | 8,621,000 |
| Income tax | 774,000 | 1,570,000 | 2,220,000 | 2,977,000 |
| Net income | 1,488,000 | 3,021,000 | 4,271,000 | 5,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,344,000 | 69,775,000 | 70,099,000 | 70,499,000 |
| Total capital | 74,664,000 | 75,366,000 | 75,960,000 | 76,931,000 |
| Risk-weighted assets | 511,738,000 | 515,930,000 | 557,230,000 | 567,252,000 |
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