Call reports 2008
DEPARTMENT STORES NATIONAL BANK — 2008
What DEPARTMENT STORES NATIONAL 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 | 347,004,000 | 328,357,000 | 374,903,000 | 316,068,000 |
| Total loans | 70,957,000 | 70,561,000 | 69,899,000 | 95,600,000 |
| Allowance for loan losses | 4,457,000 | 4,635,000 | 4,628,000 | 5,967,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,086,000 | 250,967,000 | 300,881,000 | 225,773,000 |
| Interest-bearing deposits | 275,000,000 | 250,000,000 | 300,000,000 | 225,000,000 |
| Noninterest-bearing deposits | 1,086,000 | 967,000 | 881,000 | 773,000 |
| Equity capital | 39,059,000 | 40,046,000 | 41,070,000 | 40,242,000 |
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 | 6,621,000 | 12,071,000 | 17,267,000 | 21,855,000 |
| Interest expense | 2,784,000 | 4,587,000 | 6,278,000 | 8,760,000 |
| Net interest income | 3,837,000 | 7,484,000 | 10,989,000 | 13,095,000 |
| Noninterest income | 13,000 | 29,000 | 51,000 | 58,000 |
| Noninterest expense | 1,200,000 | 2,203,000 | 3,217,000 | 4,179,000 |
| Provision for loan losses | 2,190,000 | 3,321,000 | 4,249,000 | 6,672,000 |
| Pretax income | 460,000 | 1,989,000 | 3,574,000 | 2,302,000 |
| Income tax | 163,000 | 705,000 | 1,266,000 | 822,000 |
| Net income | 297,000 | 1,284,000 | 2,308,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,059,000 | 40,046,000 | 41,070,000 | 40,131,000 |
| Total capital | 41,015,000 | 41,935,000 | 43,049,000 | 42,252,000 |
| Risk-weighted assets | 154,008,000 | 148,364,000 | 155,702,000 | 165,813,000 |