Call reports 2008
LEAD BANK — 2008
What LEAD 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 | 94,830,000 | 95,694,000 | 100,271,000 | 98,033,000 |
| Total loans | 71,203,000 | 72,597,000 | 73,477,000 | 71,001,000 |
| Allowance for loan losses | 928,000 | 941,000 | 2,456,000 | 2,204,000 |
| Securities available for sale | 6,573,000 | 4,517,000 | 5,536,000 | 7,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,513,000 | 76,578,000 | 74,089,000 | 73,074,000 |
| Interest-bearing deposits | 71,142,000 | 71,112,000 | 68,748,000 | 68,462,000 |
| Noninterest-bearing deposits | 4,371,000 | 5,466,000 | 5,341,000 | 4,613,000 |
| Equity capital | 14,866,000 | 14,659,000 | 12,744,000 | 11,449,000 |
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 | 1,657,000 | 3,251,000 | 4,830,000 | 6,130,000 |
| Interest expense | 900,000 | 1,720,000 | 2,501,000 | 3,332,000 |
| Net interest income | 757,000 | 1,531,000 | 2,329,000 | 2,798,000 |
| Noninterest income | 79,000 | 167,000 | 147,000 | -126,000 |
| Noninterest expense | 752,000 | 1,581,000 | 2,583,000 | 3,775,000 |
| Provision for loan losses | 60,000 | 185,000 | 1,860,000 | 1,993,000 |
| Pretax income | 24,000 | -68,000 | -1,967,000 | -3,096,000 |
| Income tax | 0 | 0 | 6,000 | 6,000 |
| Net income | 24,000 | -68,000 | -1,973,000 | -3,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,428,000 | 12,337,000 | 10,370,000 | 8,960,000 |
| Total capital | 13,356,000 | 13,278,000 | 11,330,000 | 9,901,000 |
| Risk-weighted assets | 73,765,000 | 75,931,000 | 74,554,000 | 73,255,000 |
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