Call reports 2008
MERIDIAN BANK TEXAS — 2008
What MERIDIAN BANK TEXAS 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 | 102,899,000 | 110,349,000 | 142,757,000 | 176,686,000 |
| Total loans | 93,725,000 | 103,769,000 | 132,960,000 | 146,973,000 |
| Allowance for loan losses | 856,000 | 1,017,000 | 1,285,000 | 1,570,000 |
| Securities available for sale | 0 | 0 | 0 | 14,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,089,000 | 81,763,000 | 114,213,000 | 148,186,000 |
| Interest-bearing deposits | 66,954,000 | 68,196,000 | 100,946,000 | 136,175,000 |
| Noninterest-bearing deposits | 7,135,000 | 13,567,000 | 13,267,000 | 12,011,000 |
| Equity capital | 28,445,000 | 28,120,000 | 27,852,000 | 27,672,000 |
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 | 1,597,000 | 3,244,000 | 5,368,000 | 7,666,000 |
| Interest expense | 578,000 | 1,314,000 | 2,127,000 | 3,138,000 |
| Net interest income | 1,019,000 | 1,930,000 | 3,241,000 | 4,528,000 |
| Noninterest income | 9,000 | 22,000 | 37,000 | 48,000 |
| Noninterest expense | 1,113,000 | 2,201,000 | 3,322,000 | 4,574,000 |
| Provision for loan losses | 306,000 | 467,000 | 940,000 | 1,307,000 |
| Pretax income | -391,000 | -716,000 | -984,000 | -1,305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -391,000 | -716,000 | -984,000 | -1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,145,000 | 27,820,000 | 27,552,000 | 27,231,000 |
| Total capital | 29,018,000 | 28,851,000 | 28,851,000 | 28,821,000 |
| Risk-weighted assets | 104,063,000 | 111,078,000 | 145,713,000 | 160,580,000 |
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