Call reports 2008
USAMERIBANK — 2008
What USAMERIBANK 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 | 247,287,000 | 315,770,000 | 404,597,000 | 571,209,000 |
| Total loans | 190,620,000 | 270,588,000 | 330,989,000 | 493,068,000 |
| Allowance for loan losses | 2,400,000 | 3,418,000 | 4,212,000 | 7,098,000 |
| Securities available for sale | 21,470,000 | 20,708,000 | 20,805,000 | 24,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,106,000 | 206,956,000 | 263,297,000 | 367,018,000 |
| Interest-bearing deposits | 137,536,000 | 187,205,000 | 237,012,000 | 314,999,000 |
| Noninterest-bearing deposits | 16,570,000 | 19,751,000 | 26,285,000 | 52,019,000 |
| Equity capital | 39,432,000 | 38,836,000 | 39,673,000 | 52,943,000 |
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 | 3,241,000 | 7,290,000 | 12,394,000 | 18,531,000 |
| Interest expense | 1,344,000 | 2,808,000 | 4,702,000 | 6,691,000 |
| Net interest income | 1,897,000 | 4,482,000 | 7,692,000 | 11,840,000 |
| Noninterest income | 21,000 | 47,000 | 115,000 | 162,000 |
| Noninterest expense | 1,477,000 | 2,943,000 | 4,703,000 | 6,959,000 |
| Provision for loan losses | 626,000 | 1,643,000 | 2,438,000 | 3,226,000 |
| Pretax income | -185,000 | -57,000 | 666,000 | -860,000 |
| Income tax | 0 | 0 | 0 | -870,000 |
| Net income | -185,000 | -57,000 | 666,000 | 10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,339,000 | 40,521,000 | 41,279,000 | 51,293,000 |
| Total capital | 42,740,000 | 43,939,000 | 45,491,000 | 57,929,000 |
| Risk-weighted assets | 218,673,000 | 299,815,000 | 364,531,000 | 530,387,000 |
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