Call reports 2008
WILMINGTON SAVINGS BANK, THE — 2008
What WILMINGTON SAVINGS 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 | 196,136,000 | 196,688,000 | 196,151,000 | 200,367,000 |
| Total loans | 182,635,000 | 182,319,000 | 183,478,000 | 184,648,000 |
| Allowance for loan losses | 1,677,000 | 1,663,000 | 1,809,000 | 1,775,000 |
| Securities available for sale | 1,005,000 | 584,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,094,000 | 92,603,000 | 94,807,000 | 99,034,000 |
| Interest-bearing deposits | 87,884,000 | 89,107,000 | 91,313,000 | 95,374,000 |
| Noninterest-bearing deposits | 3,210,000 | 3,496,000 | 3,494,000 | 3,660,000 |
| Equity capital | 36,336,000 | 36,784,000 | 36,651,000 | 37,330,000 |
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 | 3,352,000 | 6,789,000 | 9,906,000 | 13,089,000 |
| Interest expense | 1,478,000 | 2,889,000 | 4,249,000 | 5,579,000 |
| Net interest income | 1,874,000 | 3,900,000 | 5,657,000 | 7,510,000 |
| Noninterest income | 68,000 | 127,000 | 174,000 | 216,000 |
| Noninterest expense | 904,000 | 1,831,000 | 2,789,000 | 3,690,000 |
| Provision for loan losses | 0 | 40,000 | 407,000 | 467,000 |
| Pretax income | 1,038,000 | 2,156,000 | 2,300,000 | 3,234,000 |
| Income tax | 350,000 | 733,000 | 845,000 | 1,099,000 |
| Net income | 688,000 | 1,423,000 | 1,455,000 | 2,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,890,000 | 36,616,000 | 36,648,000 | 37,327,000 |
| Total capital | 37,869,000 | 38,391,000 | 38,407,000 | 39,102,000 |
| Risk-weighted assets | 140,950,000 | 140,516,000 | 140,707,000 | 142,470,000 |
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