Call reports 2008
HALSTEAD BANK, THE — 2008
What HALSTEAD BANK, THE 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 | 62,515,000 | 65,144,000 | 65,882,000 | 65,327,000 |
| Total loans | 41,779,000 | 44,855,000 | 42,366,000 | 44,275,000 |
| Allowance for loan losses | 272,000 | 284,000 | 300,000 | 309,000 |
| Securities available for sale | 10,857,000 | 8,439,000 | 10,449,000 | 11,081,000 |
| Securities held to maturity | 230,000 | 228,000 | 227,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,958,000 | 54,886,000 | 56,263,000 | 55,862,000 |
| Interest-bearing deposits | 43,942,000 | 43,809,000 | 44,411,000 | 43,983,000 |
| Noninterest-bearing deposits | 10,016,000 | 11,077,000 | 11,852,000 | 11,879,000 |
| Equity capital | 4,886,000 | 5,270,000 | 5,263,000 | 5,487,000 |
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 | 952,000 | 1,867,000 | 2,777,000 | 3,657,000 |
| Interest expense | 349,000 | 661,000 | 965,000 | 1,235,000 |
| Net interest income | 603,000 | 1,206,000 | 1,812,000 | 2,422,000 |
| Noninterest income | 132,000 | 276,000 | 439,000 | 602,000 |
| Noninterest expense | 556,000 | 1,173,000 | 1,869,000 | 2,640,000 |
| Provision for loan losses | 13,000 | 26,000 | 43,000 | 64,000 |
| Pretax income | 166,000 | 283,000 | 339,000 | 329,000 |
| Income tax | 7,000 | 13,000 | 15,000 | 15,000 |
| Net income | 159,000 | 270,000 | 324,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,758,000 | 5,230,000 | 5,234,000 | 5,214,000 |
| Total capital | 5,030,000 | 5,514,000 | 5,534,000 | 5,523,000 |
| Risk-weighted assets | 48,435,000 | 52,010,000 | 51,957,000 | 53,674,000 |
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